I.C. Systems Harrasing Calls St. Paul, Minnesota

I first received a collection in the mail from IC Systems which is normal for an amount owed to Chase Bank for overdraft fees and a closed account. The total was $335. Next I received a call from a gentlemen that asked how I was going to pay. I told him that I would pay but I couldn't pay in full. He ripped into me saying that I couldn't blame it on the economy and that I needed to be responsible and pay my bills. We argued for 10 minutes about it and I didn't make a payment over the phone. I did however go online and started making small payments of $50 and $75. I didn't want him to get credit for the payments. Now I am at $175 and they have been calling me 3-5 times a day.

It's been 3 weeks since my last payment and a gal called me today and I decided to answer. I told her I was at work and I didn't have time to argue about it but needed to make money. I told her my bills were $600 more than my income currently because of my wife and I both getting laid off and now I am self employed. She said well why are you paying for your phone then. I said so that you can reach me and harrass me. Anyways, they are moving me to further collections and are threating a judgement and freezing my bank account. I did some research and it appears it's a lie. They can't freeze an account with under $1750 dollars in it. And why go through that much effort for $175? I already paid $150 so far. Who knows what Chase sold the debt to them for.