I have never been more two weeks late, and I am in a perpetual late payment treadmill because this company literally charged me my first car payment only two weeks after I put down the first car payment when I purchased the car (I am a disabled veteran on a fixed income). If my payment is even a few days late, they will blow up my cell phone with nonstop harassing phone calls and they refuse to stop. This company is absolutely horrid and, since I have nothing but time being disabled, I am currently researching my legal options as I cannot believe this behavior is at all even legal (or even makes sense given that I am never even 30 days late, usually about 10 days late). My strong recommendation is to avoid this company at all costs. I am currently looking to refinance the vehicle and -- if at all possible -- to sue for any damages under the FDCPA.