IT's harassment to expect you to pay the bills YOU'VE accrued???? REALLY??? How about if someone borrowed money from YOU so they could go out SHOPPING? For NON-NECESSITIES? Huh? REALLY? It's called SELF-RESPONSIBILITY. You oughta try it sometime. I hope someone really close to you "borrows" YOUR credit sometime so you learn how it feels!
Thanks to Jewel we know now that it's just Comenity Bank. Check your credit cards.
They're trying to call you before reporting to the credit bureaus that your payment is late.
Usually they're pretty decent people once you DO talk to them (Of course, if your name is PATRICK ON SSI, they are definitely going to be obnoxious simply because PATRICK is an obnoxious, irresponsible jerk expecting the world to GIVE him everything).
If you can't pay, they'll mark your account that you couldn't pay today. Just TRY to promise SOMETHING reasonable for the sake of your own credit. They'll mark the record that way that you are COOPERATIVE and will be much more helpful in trying to arrange payments.
For your own sake, learn from MY mistakes and make enough effort to try to at least cover the interest accruing and pay at least that amount every month. Ask for late payment fees to be reversed (at least once in a while).
Ask if they have any programs for your situation if you've lost your job or have had an unexpected expense. Some companies do, especially now with the economy in the tank for so long.
Try at least. The worst that will happen is they will say "nope".