Anytime you don't meet the minimum payment requirements on your unsecured credit card debt you may be subject to annoying, or worse, threatening phone calls, demanding payment. You have undoubtedly received unwelcome calls if you have fallen behind on your credit cards. They sound like, "we demand the you make at least the minimum payment this month" or better yet, "we will sue you or garnish your wages if we don't receive your payment today."
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