I am getting the second letter regarding about the Northland Group Inc with Sears and Home depot. It was confusing me because I had not miss the payment on Home Depot. They kept harassing for the offer and they lied and kept changing the cost on those. I had giving indicated of payment on Sears which I had been paying for 1335.00 per months. I knew something fishy with those company. What should I do about that? Please help! Thanks, Trudy Fisher