Because of my PDL nightmare, I'm now going to be behind for the first time in my monthly payment to CashCall, and they are ringing my phone off the hook! How long does it take for CashCall to start collection practices and filing a lawsuit? Are they really a loan company, or a glorified pdl company? I didn't get a chance today to ask T&C if they handle CashCall issues. Any advice regarding this would be greatly appreciated, thanks!