The problems I have encountered is that in reality, we do not make enough money to meet all the demands on our paychecks. Therefore, sometimes I get behind a little in my bills. At one time, I called a cell phone company to let them know that I would be late due to an accident with my car and I had to get it out of the shop. I would and did make additional payments. They cancelled me anyway and put a whopping $700 plus charge on my bill. I will never pay that one back. They were rude and did not give me a chance to catch up and then put that cancellation charge on top of it. Therefore, creditors call and let us know (like we do not know) and I acknowledge and make it a point to pay. One further thing, sometimes our bill due dates do not match when we get paid either. So, sometimes with this and emergencies, we get backed up. On to the point - the keep calling until you pay on a daily and sometimes multiple times on a daily bases. They even get beligerant and say things like, "Well PAY YOUR BILLS!" They need to stop calling us like that. That is just not useful, causes stress and depression and makes someone want to . . . Thank you.