This is a collection agency that contracts with a university in southeast michigan and most probably other clients. The phone rings and a pathetically robotic voice system commands the person who is on to press 1 or 2 to indicate if this is the person they are seeking. "If this is (name) press 1......" Even if you wait, and stay polite, you wont know who it is until you confirm if you are the person they are seeking. As they seek confirmation, they are most probably building a case for further collections action. This organization has lied to me in the past stating they were the only one I could negotiate with but I was able to make an arrangement with the school. Even with a monthly arrangement with the client, they still lie and try to get me to make the monthly arrangement with them.