I just got off the phone with some guy at HRRG who has been calling my number non-stop for 3 days now. He asked if I could take care of the bill now and I said no that I didn't have the money and that it would probably take a couple of months before I could pay anything towards it. He said in a couple of months you will be buying stuff for Christmas and then say that you need another couple of months and by then it will appear on your credit report. I said go ahead and report it, my credit is shot anyway because we just went through a... read full review »