I have been a customer for 2 years, made all payments on time. I recently moved and got behind because my mail wasn't reaching me and lots of other problems. They called being rude and hateful, I told them when I would mail the payment to get caught back up, they continued calling, sometimes 6 times a day, I mailed the payment, they called again and called me a liar and the harassment has not stopped, after being abusive and harassing I told them to send it to a collection agency and I would pay it in full, I will not send them another payment until I get a letter of apology. If you order from this company, you better make sure nothing can happen to get behind one time or the harassment never stops. I still get 6 or more calls a day from them, I do pay my debts but not when a company is doing what they know is illegal. Plus, the merchandise is crap. Well, a man called and apologized for the behavior of some of the employees, so now I am making my payments but will not order from them again.