Rick.. First off.. Don’t loose sleep over it !! I feel for you and your wife to deal with this.. But trust in the Lord.. and relax.. after all it’s only money!!
I wasn’t sure by your letter if you OWE money to the agency ? But assuming you do.. & they are harrassing you. YOu need to send a registered letter to them stating you want them to cease with the phone calls.. NOW ! also remind them they could be sued for making calls After you notify them by mail !
(One guy actually makes 30,000 a year from sueing Telemarketers for calling him , & more info : Tape recorded telemarkting calls have been illegal for Years ! ))
IF you owe money.. work out a plan with them.. get it ALL in Writing .. don’t rely on phone calls.. Make copies of all your letters to them.. and copies of their mail to you .. (so you can send a copy with each letter you write. ) I like to Show them exactly what I am responding to in all business dealings.
Check out these web sites too;
and Yahoo Groups has many saving money groups to ck out.
I pray this was of some help to you !