My ex husband was laid off last year for 4 months..just long enough for me to rack up a large minimum due on my Old Navy card. Since that time I have faithfully paid $20-$40 a month to Old Navy even though it was the astronomical minimum amount they wanted me to pay (roughly $150-$200 a month)..7 months into my payment making, I get harassing phone calls from Kellar King and Associates wanting to know why I was not paying what I should. I explained my situation about my ex husband losing his job..i was a full time mom/student. The woman then told me she didnt care, and that she was a mother of three whose husband committed suicide so I basically needed to quit my whining. (I didn't know this was a pissing contest!) She then told me I had 24 hours to get the money together or I would be taken to court. Im appalled. I have faithfully paid a good chunk of change every month, just to be treated like a criminal! I would like to stop these phone calls so I can continue to pay my bills in peace.