Simply put, that's the story. They violate every aspect of the Fair Debt Collection Practices Act, and the rules of FCC. Collection efforts should not be made if someone is current. Then, when I got angry, I skipped 2 payments and told them if they wanted the car back, I'd return it to the dealer. But the calls had to stop. They said they felt I wanted to keep the car, and I responded with the car was a fine vehicle, but dealing with their pathetic type who are hired merely for the purpose of harrassing people was the problem. The woman told me they'd axe my garage door and take the vehicle. I said again, how about if I drive the car back to the dealer and just explain it to them, you call every friggin day! You won't stop harrassing my company or those I work with. You leave threatening messages on my voicemail, and now you are indicating personal damage to my home. Please come by, I am here now...waiting for you. Nothing happened, they continue to call. I finally got the local number of their headquartesr in Anaheim, and complained to their regional sales manager. Asked him if fututre sales were his concern, he said definitely. I explained all that happened, and he got the apology for me, but they still call 12-16 times daily. I had AT&T permanently block their number as I cannot change mine for business purposes. Why should anyone go through all of this just to drive a car? Our other car is a BMW, when they call, they are sweet as pie, concerned and willing to help. They take weekly payments, whatver it takes to get you back on track. The comparison is worth noting, and the BMW was later than the Acura, but they were still courteous to the end. We are paying for both now, and the calls have ceased, for now, but they will start calling from another number soon.