About 3 months ago I got a little over my head in my finances, and I was forced to overdraw my checking account for an emergency. I was in the red $300 Max, probably much less. I received a letter from BOA (the bank I overdrew from) stating that They are closing my account, and that they will send me my remaining balance if there is one, or I need to pay the balance due, if there is any. The letter did not state amounts, and did not specify a date the payment was due. So, now, 3 months later, I get a call from ER Solutions. I explain that I am a full time student, and only work on Saturday and Sunday...blah blah blah, explaining my situation. This lady Jacelyn, then asks me if my Mother LEAVES HER CREDIT CARDS OR CHECKBOOKS AROUND. I say why would you ask that? Oh, WELL IF YOU CAN FIND ONE OF THOSE TWO THINGS, THIS ISSUE CAN BE RESOLVED RIGHT NOW!!! Wow...is that not both unethical and ILLEGAL?>???