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I received a letter from National Credit Adjusters saying that I am in default of two loans. I have dealt with them in the past. I explained to them that I am unemployed and they think that when I took out the loan that I made an agreement. At the time of the agreement I was working but since then things have changed. This Dane said that I was refusing to pay the loan. I was not refusing anything I wanted the arrangements to stay the same. He was a real [***]! He said he left a message on my cell phone well if he did it was real muffled you could not understand what he said. I hate when they use a different number but never leave a message. How can you return a call if they do that.