Complaint Review: CB1 Collections

I have been paying respectfully a debt that I felt was prematurely turned over to this company, until I missed a payment in February 2011 due to being out of town for a business trip. Upon returning, communication was made with CBO's Kim. She was informed that I forgot to mail out the check 10 days early before leaving town and would put it in the mail for her. This was on March 7, 2011 according to my phone records. On March 10, 2011, I received a letter stating I was uncooperative and refusing to communicate and would need to pay the full amount of be taken into legal actions! I was shocked and appauled!

I figured it had to have been a cross in the mail and waited to see if my check I mailed them cleared. It did not and I received another notice of the same nature. I called and had to leave a voicemail since no one answered. I then began to review my statements and seen that in 2 1/2 years, I had brought the balance down by over 75%, had technically missed one payment and felt it was rather harsh to threaten legal action at this point. Finally, I received a RUDE phone call from Kim that I had not paid them and that I needed to come in and sign for them to garnish my wages rather than mailing a check or dropping one off as I had always done. This is illegal and harrassment!! I am still trying to make sense of the commission of 33.33% on top of the interest charge and principal.