by S. Brown - Posted Mon December 18, 2006 @ 4:00 PM
You knew you owed money on the account, so why didn't you give them a call when you realized you hadn't received your bill?
What you are experiencing is not harrassment - - it's basic, simple debt collction. Therefore, you are not owed $200 for your "time, trouble, and harrassment". However, that brings a question to mind - - have you paid off the balances yet?