Every single month after the 16th, I get harassing telephone calls. My payments are always on time, but they consistently harass me and tell me that they are giving me a courtesy call and will call my job if I do not pay them!
I tell them that I always pay but they are very rude. Sometimes they call before 9 am on Saturdays and sometimes after 9pm on a weeknight. The calls are very very stressful and I cannot sleep after they call me.
It is affecting me physically also. Very very very rude employees and horrible collection practices when my payments are never even late!