If you are late one day with your car payment.. no matter the reason... Drive Time will repetitively call every person on your reference list. They have made my life and the lives of my family and friends a living hell!!! If you are on time with your monthly payments .. Drive Time will repetitively call you to remind you that you have a payment due. Drive Time calls this a courtesy, but it is still another form of harrassment!!! DO NOT DEAL WITH DRIVETIME!!! UNLESS YOU WANT TO BE HARRASSED ALONG WITH YOUR FRIENDS AND FAMILY!!! read full review »