Index was outside the bounds of the array

[Beaker]

I am having some trouble with an array object and a web service I have. I
have a farly simple user object

[Serializable()]
public class User
{
private Guid myUserId;
public Guid UserId
{
get { return myUserId; }
set
{
myUserId = value;
}
}

private string myLogin;
public string Login
{
get { return myLogin; }
set
{
myLogin = value;
}
}

.....
private UserContacts myContact = new UserContacts();
[XmlElement(type of(UserContacts ))]
public UserContacts Contact
{
get { return myContact; }
set { myContact = value; }
}

}

I am having difficulty with the Contact property, which is a GenericList of
UserContact objects. This class works fine when used directly but when called
through my web service I keep getting "Index was outside the bounds of the
array", no matter how I try to set the Contact variable from the WebService
client.

IE
--CLIENT SIDE
devl.services.U serContact[] ucs = new devl.services.U serContact[1];
devl.services.U serContact uc = new devl.services.U serContact();

uc.ContactType = "email";
uc.ContactValue = "so**@email.add ress.net";

testUser.Contac t = new devl.services.U serContact[0];
testUser.Contac t[0] = uc; //INDEX OUT OF BOUNDS

I must be missing something important, but I am at a loss for what it might
be :(.

Thanks,

Beaker