Yeh, people do miss payments(unexpected things do come up) like the economy or lose of wages, trying to take care of your family, etc. so lets call them and ask them if they have ever missed a payment and how are they dealing with the economy. Must be they don't understand that not everyone is rich and that we are in tough times.  Got an email from these people a few days ago, sent them a response as to how much and when and they are still calling me at home and at work on the weekends, go figure!  When I saw CSC/Sears I knew that it was someone looking for money from me. Good thing for caller ID cause I use it all the time.