I HATE creditors. Hate hate hate them. I understand that if I have a late payment that it's not cool. No problem. GOTCHA. But ya know, if I had the money to pay it on time, uhm, it wouldn't be late. AND -- I do not expect, nor will I put up with, some guy on a phone yelling at me or chastising me. And uh, so I just sort of yelled back, and hung up.

Gee, I'm mature at 8am.

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