Also, I wrote them in regard to this, and they told me they had no obligation to send me a monthly statement. It has not gone to collections yet, but the late fees keep mounting. What can/should I do? Excepting $28, the entire statement is late fees, as I went back through my bank statements to prove I paid. I also mailed copies of the statements to them to prove, and they say I didn't, and that I owe late fees on a $28 balance.