This is predatory lending. They prey on you and offer help when you are in need. They are so nice. That all changes the day you are 1 day late. If I remember the calls start 5 days before your due. The house visits start after a day late. They slide envelopes under ur door. Ring the bell knock. Even had one try and turn my door handle. Luckily I filed a chapter 7 bankruptcy and was free of these people. If you need help get it anywhere other then here. They arent there to help u. They are there to make money and a lot of it.