Today I received a very nasty phone call. Seems an old neighbor friend of mine used me as a reference. She was apparently a couple days overdue and they were searching her down. These people were as bad as the collection agency horror stories I've heard!!! They demanded to know phone numbers to any other friends or neighbors she might have. I immediately called her to tell her somebody was looking for her. She broke down in tears and told me her story. She is into 6 of these places!!!! Every 2 weeks she gives them a check for 300.00 and gets 255.00 back. That is about 400.00 per month!!!! They will not allow her to make payments or help her out in any way. If she is even one day late they harass her at work and call her family and other people she put down as references. She has even been told she can be prosecuted for writing bad checks. She is getting further and further behind every month. I told her to try to get a loan or something but I guess she is unable to. It shocks me even to write this but she is considering trying to prostitute herself to pay these places off. I don't think she was kidding when she said this. Does anybody have any information how these places work and what can be done when they own you like this?