I have been harrassed daily by several companies. I stopped paying most of them because they would not work with me and kept adding fees, overlimit charges, lates fees etc. They raised my interest rate so that every cent I paid them went to fees and charges, nothng on the principal. At this rate I could see that all my money was as good as burning it and I still owed them, my dept never went down. Only one creditor has been willing to work with me, I have kept paying them. I filed chapter 13 3 years ago and I am still paying that off, it is taken out of my paychecks.