We bought furniture from J&J in the summer, we had the furniture delivered Oct. 2nd to our new home. We have not received any correspondance from Wells Fargo. Even though we were in the midst of moving, we hae received all of our mail from several other businesses. We have called the furniture store on 2 occassions and they say that we will get a bill and then if we continue to have problems they will involve some one. I called and waited over 20 mins, to talk to someone and they would not tell me if a bill was sent. In the meantime, if we are "late" we never received a bill and in the long run if this hurts our credit, we will be highly UPSET!!!