About 1995 my wife wanted a used car and when she stopped paying, I paid the collection agency a hundred a month for years, got the amount down to 4000 and after hard time stop. I dealt with them one time and thought I was through with them. Yesterday they slapped a levy on my bank account that said the amount I owed was now 17,500. A lump sum payment from SDI was in my account for 11,000. If I cant get a lawyer, and use bankruptcy to stop them, me and my family will live on the street. Im sure they make a business out of buying the debt of many peoples, wait until the interest go up to the roof then they jump all in your business. I am 64 with my wife and two adult sons.