So it is after Christmas now, and we are nearing 90 days late on two of our accounts. I know because they called again today to tell me so. I have to admit, the two ladies I talked to were nice, and they offered me a kind of payment plan they said would eliminate the late fees and get me on track to pay it off, etc. But I also have to admit that even the payment plan they offered is out of my limit. I am not sure my mortgage is going to be paid, much less that account. Yikes.