According to RMA--I am in a program. I never signed up for this program, but regardless, I am in a program. In order to be in this "program" RMA needs me to send them post dated checks. I have been doing this since last year, and so far, every month on the designated date--the check goes through. And a few weeks later, my credit report reflects this amount as paid. The trouble is, last week, one of the contacts from RMA called me and asked me to send more checks for the optima account. The next payment due on the account is due on Sept 25th, so I did not see a need to get them out over night. In truth, I wrote out the checks and planned on mailing them in the next few days. So, yesterday, the phone rang and it was my other "contact" from RMA. This woman has always been extremely nasty to me, while the other contact has always been extremely nice. When I told her the checks were ready to be mailed out, she asked my, "Why is it when Mr. XXX asks you to do something, you never follow through?" I was shocked because I always comply with what ever has been asked of me to rectify these accounts and Mr. XXX has acknowledged this whenever we speak. I asked her what she was talking about, and instead answering, she went on to tell me that I lived in a wage garnishable state and she had the right to call me everyday if she wished to in order to get payment. I told her that die to the fact I had complied to the program and could prove that I had been making monthly payments consistently, she would have a hard time getting a judge to garnish my wages. The account isn't even considered past due any longer according to the American Express legal dept. She then started criticizing the monthly payment I was making, because 2 months before I had told her I would have to pay 65.00 instead of the 75.00 I had been sending. I told her that she had agreed to this amount 2 months before. Everything out of her mouth contridictary and accusatory. She also made a statement that, I had been paying down the account--so what did I care? HUH????It ended by her saying she was going to talk to my husband from now on, as he was the primary account holder and then she hung up on me. This from a woman who has been getting monthly payments from me since last year. The call was just so inappropriate, I questioned her mental stability. I realized after the phone call that I have a 2 way recorder on my phone and taping of phone calls is allowable in this state. I wish I had taped her. Does anyone think this woman commited any violations?