YOUR the idiot getting the calls,you people are so stupid..you sign the contract that states EXACTLY the terms of paying it back but somehow you think its a gift card...free money,stupid stupid stupid...i bet 1 trillion dollars all the idiots that dont think they have to pay it back are either on have been on welfare.

When I called it back it was a survey that has already expired like wtf!! Sick of annoying calls all the time

My gawd...if you only knew how stupid you sound! Yes...tha's what we all think credit cards are...gift cards! Yeah right. Have you ever had hard times? That's beside the point as all these calls are for people who don't even live at the number being called! What intelligent answer do you have for that?Who are you or any of us to judge why someone we don't know hasn't paid a bill. Get a life. Seeings how you are the one who mentioned welfare, you must be on it with nothing to do all day except to answer peoples comments with ignorance.

That is hard to read with all the caps.  You seem awfully angry, maybe you should find a jub that makes you less angry, it just isn't healthy

Well I got a few calls from them within the last few weeks, and for 10 years I have NEVER missed a SINGLE payment. So NO I am not an idiot for getting those calls, and I have no idea why they're calling me.

The collection callers are women with hairy pussies!!!