ok- so many ppl complaining about a company that would like you to pay a bill that you signed up to pay!. Pay your bills on time and they would never call you. nuvell/national/gmac what ever you wish to call it keeps 1000's employed because you spend more time fussing about a bill that you rightfully owe vs finding a way to get the bill paid... you can't be mad that someone wants money they are owed..you people suck! if you owed me the money you owe them, you would have a bigger issue than some unwanted calls