hey i have a question loan with cash call originated with western sky. i have gone through the thousand phone calls spoke with someone twice in oct. when i defaulted and told them i would not being making any more payments. loan was 1500.00 but 500.00 fee so i got a 1000.00. i have paid back over 1800.00. now i am getting emails and letters with all kind of modifications or payment off amount of 1000.00. i just ignore phone calls. am i doing wrong ignoring them or should i respond back. this is the only one of 6 to settle. i got a paid in full on the rest. these guys are tough.