These people are EVIL! Not kidding! They will harass, bully, threaten and try to intimidate you in every way imaginable. You have ONE late payment and they are relentless! If I ever get this card paid off, I will NEVER do business with them again!
You do realize in this day and age that it is totally illegal for any company to do this! For any reason! You can owe them $100,000.... but if they call you and you tell them that are NOT to EVER call your number again and they are only allowed to contact you via mail correspondence, And they continue to call you (even if u don't consider the call harassing) you can sue them for every call they make! That's a fact! And if they do call back after that, I suggest recording those calls, so u not only have proof of the call but of exactly what what said. B/c not only is it illegal for them to call u after u have instructed them not to, even if u don't tell them that, the laws today clearly state that these guys can not make harassing statements/threats in any way! Believe me! No matter what they say to you in a letter or on the phone, they are not going to sue u or take your house or your car over a few hundred dollars or even a few thousand!(that the IRS' job. ... Lol) They try making these threats so they can get their commission! Even tho most companies don't play these games anymore (I'm sure mostly b/c it's illegal now), you still have a few rogues out there that ignore everything for money. Good luck!