Carmel Financial has been calling us to set up a payment arrangement because we've fallen behind on our payments. I have explained to them that I don't have the money to make a payment, I don't know when I'll have the money, but as soon as I'm able, I will contact them. After I explain this, I hang up (as per instructions from my attorney) and they call back to yell at me!!! If I hang up on them they call my cell phone, my husbands cell phone and then my husbands office phone. If he doesn't answer that, they... read full review »