I get calls on the first of the month and I never had one late payment. They answer from India with "Option One Collections«. They are very unprofessional. I finally had enough and started recording their phone calls and told them never to call me again. Of course they called again and I recorded that also. Now I can get them in small claims court for $1000 or so. I also had a problem with a payment made through Quicken. My bank returned the payment because they did an unauthorized bank draft. I faxed the information to Option one that this was all their fault (Option One refused to give me an address to send this info) along with the letter from the bank. They of course said they did nothing wrong and marked my account so I cannot send electronic payments. Now I have to go to the bank and pay for a cashier check every month and send it to them.