When someone tries to call collect it doesnt state on that you have to have $44.95 to start out with, I was extremely frustrated not knowing why I couldnt take the call. With that being said it does on the call that the rate is $1.35 then 10 cents per minute after that, no where does it say anything about $44.95 until you go to sign up. Very frustrating when you are trying to talk to your child. User's recommendation: $44.95 is not right.