After my father passed, my mother, who is a senior, slowly became a shopaholic, racked up 1000s of dollars worth of charges on the HSN credit card. The more she shopped the more credit they gave her. She's on a fixed income, but instead of monitoring shoppers income vs. the credit the allot them, they let seniors go into debt instead. She had 3 strokes, was in a rehab facility, was told by medical staff not to spend any of her SSI in case she had to go to long-term where Medicaid would take all her check. POA I changed all phone numbers to mine to pay her bills, when she was still able. ONE month of being late on payment and HSN sent it to their collections department. They began harrassing me no matter how many times I told the she was in rehab, stroke, couldn't pay, put it on file. 8:01 a.m. they called me every hour on the hour for four hors straight. The last call told me it wasn't harrassment, argued with me heatedly, so I startes blocking the calls. ONE MONTH LATE! And YES it was harrasment according to FDCPA. If a loved one is shopping with this company, watch their spending, block the channel, do whatever you can to make sure they don't get taken advantage of by this company.