It was easy getting credit with these guys. In fact we have four accounts. All the furnishings and electronics we bought were much needed. (I thought) For the first eight months we were able to pay our accounts on their due dates but when our finances came to an abrupt end we began to fall far behind. From the first late payment we received calls. We were told that the calls wouldn't stop until we paid something on the account. So we mustered up $25.00 and made a payment. The calls still kept coming. It's like a three ring circus. They first call our house phone. Then my cell phone. Then my husband's cell. Finally when I just couldn't take it anymore I UN-pluged our home phone. When in public places sometimes I put my cell on mute/vibrate or simply swipe my finger and reject the call. I don't answer any of their calls at all. I can play this game just as long as they can and it's been over eleven months. But I'm thinking of seeking an attorney to file an harassment case against them. I understand it will pay very well.