Short version: if you don't pay, yes, they will act accordingly. Laser Finance has to: they are a company. Don't like their high-end rates: get a higher credit score. Until then, go somewhere else. (Good luck.)
Longer version: I don't understand how some people, as grammatically and intellectually challenged as they obviously are, can be capable of using the internet.
Yes, you have to be able to pay your bills on time: there is a difference between a finance company and a non-profit foundation.
Yes, you can't send in a check and postdate it. (per the Florida Attorney General's webpage): ""Do not accept post-dated checks (checks dated for future or indeterminate dates). These checks cannot be prosecuted for the crime of passing a worthless bank check if a bank dishonors them, but such checks may be resolved by a civil suit in small claims court."" In plainer English, you could have been sued. Learn from your mistake.
And to Orlando696969, you might want to look up the word ""Libel"" (""the communication of a statement that makes a claim, expressly stated or implied to be factual, that may give an individual, business, product, group, government, or nation a negative image"") before you suggest that people ""lie"", commit illegal acts, or are ""mean and stupid"".
And some of your statements are so lacking in intelligence as to be amusing: ""They will threaten you with the law and the law has NOTHING to do with the collections."" Perhaps a slight look at THE FAIR DEBT COLLECTION PRACTICES ACT (FDCPA), 15 U.S.C.
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