I called them and they said I defaulted, and she didn't have an answer as to why I am just now getting a letter, since I did this in September. She wasn't very friendly. Most of what I owe is over the limit fees. I believe in paying my bills, but when I am throwing away $50, I can't see paying them. Any other ideas? I really need help. I am having financial difficulties, and do NOT want to file bancruptcy. I am tackling one bill at a time, and have gotten other companies to work with me. Please advise! Thanks!