And I mean that literally; they are complete morons. It has gotten to the point that they are calling a couple of dozen times per day, starting really early and going well into prime-time (after hours). What, do they think that they can annoy me into repaying my students loans with money that I don’t have? If annoying me has any effect, it is that their rude, inconsiderateness is making me decide to not pay them back even if I ever do have money.I don’t know which debt(s) it is/are (which student loan: governmental/privatized) because the morons don’t leave messages anymore. Then again, that’s a good thing because it would only serve to infuriate me even more if I had to hear their damned, and impotent voices attempting to threaten me with lawsuits that unfortunately never seem to come. Also, they would waste space on the answering machine if they left messages, and the machine is often intelligent enough to not even register a message if it is blank.The problem of course is that most people do fall for collector’s threats and harassment techniques, so they continue to use them; they are just spammers: if even a few people respond, then they continue their despicable behavior.