Merchants Credit must have gone to the depths of hell to find their phone servers. They have no consideration for the humans they talk to. You are treated like you are the lowest form of life for not having the funds available to take care of your bills. I have been on a payment plan for a while and that must not be good enough for them now, because they want more more more! So I just sent them another check and told them to "eat it". I'm sure I will hear about this also but who cares? I'm the only one who cares!! So it may take forever to collect what they want but I don't care. Although I could cancell my health insurance to pay them, but then what happens if I or my son gets sick? We go right back where we started. What a life!!Just grin and "bear it" if you know what I mean.
So to all you good folks out there keep giving them Hell.