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They really are NOT a Debt collection company!! They are a Finance Company!! I was 2 days late on my care credit loan & received a call before 8am Tues morning. yes I totally forgot that my payment was due that day, but calling me to remind me before 8 am isn’t going to make me jump up & pay right then~my brain isn’t capable of even understanding much of anything before 8 am most days, being I don’t get to bed until after 4am, LOL but, bottom line is, you owe, so don’t get upset that they are calling you~>that said, they need NOT to be calling before regular NORMAL Biz hours, hahaha