On 04/07/09 @ approx. 8:10 p.m. Joe did not give a last name or the name of company that he was with called and my sister answered the phone, she told him that I was not there, he then asked her "where is she?" My sister told him that I was not there he then told her "That is your sister, you mean to tell me that you do not know where she is at?" My sister told him no. He told her to tell me to call Joe back at 1-888-711-7577. I called him back 10 minutes later his brother answered, then he put Joe on the phone he still did not identify what company he was with, Joe told me that he was a bill collector for a loan that I took out in 2005 for $800. He rudely told me that he was calling to collect $1,242.04 and that I needed to pay in full on 04/07/09 by midnight and that I needed a credit card to pay for the loan. I told him that I did not have a credit card for that amount of money and if I could work out payments, he said no you cannot work out payments. He asked me if I had a checking account I told him no, he said he wanted the full amount right then and there or He would have me arrested within 3 to 4 days and have my Texas driver's license suspended for two years and repo my vehicle if I did not come up with the money that day. After that I asked him if there was any way to make arrangements since I have just now started receiving SSI benefits he said no once again. I told him that is the only way that I can pay this out, he said he wanted the whole thing in full, then in a nasty tone he told me to borrow money from my relatives, or he was going to have my daughter and my sister arrested and then subpoenaed to come to court in New York, I told him that he could not do that, he said "betcha I can" I was so scared, frustrated and upset that I had an asthma attack from this abuse by this collector. I called a friend who referred me to this website. Please help me. I found the name and address of the company on the Internet thru there phone number it is CMG Recovery Services 481 Oliver Street N. Tonawanda, New York 14720 phone number is 1-888-711-7577, ext. 420 they also go by Edelman, Combs, Latturner and Goodwin, L.L.C.