“oh, you lost everything, and are behind on all your bills? that is too bad. Anyway, you owe us $$$ and need to pay us!”
I once had to tell a father that we were repoing his car that he used to take his son to his cancer treatments. and was the only car they had.
So your life sucks, here let us make it worse. “kick”
I am so glad I am off the phones now!