I am 30-60 days behind on minimum payments with my credit cards. I got a phone call two weeks ago to ask me about payment. I made an arrangement and said I am having a seriously difficult financial time now. I eneded up paying more than promised within two business days, and made another arrangment to pay a bit more in 9 days. But, three days later I got another collection call. I told them I already made an arrangement, buzz off. The agent kept insisting and told me they dont have any arrangmeent on file and can keep calling every day if... read full review »