I received a message to call Nancy Miller at an 800 number and I called late at night so I was able to get the name of the company from the message. I opted to call back because I have three brothers who consistently do not pay their bills and I, as a consumer, pay higher interest rates, especially these days, because of it. After a minute or so, a person came on the phone, asked for my phone number, which I did give out, she asked for Charlene Reagan, whom I do not know. Trust me, if I know someone's phone number or address, I'm going to give it up--sorry, guys, but I'm not covering for your poor judgement anymore--anyway, the lady said she'd remove my number from the account. If they do, good, if not, I'm politely telling them I still don't know Charlene Reagan. Overall, I didn't have a negative experience, but then again, I really don't know the person and the company is not trying to collect from me. I have a lot more important things to worry about than answering a wrong number. Charlene, if you read this, pay your bills.