Dealing with GE MoneyBank, GE Money, GEMB, GE Finance, CareCredit, JC Penny, KwikComfort, Sam's Club, Toro, other aliases.
Determine how much you actually owe them (less and "fees", unjustified "late charges" or other ### they may tack on), pay them off and be done with it.
You're not dealing with honest people here; therefore you MUST protect your self...