this guy calls me today and was very rude i owe old navy 626. tried to work out payments with him it was usless. he said that i was making payments with old navy and i missed one payment so it defualted. so now he said no payments i will have to pay all or they will sue me or go after my husband. whitch we are seperated and it my account. can they do this or is the guy trying to scare me into paying it ?i was scared and set up thr payment but i might call them back to cancel cuz i really cant afford what they want