For the last 6 years I have been paying this loan on time and have never had a payment go past 30 days, however, if I have a payment that is 5 days or more late, they begin to call my personal phone, both of my parents phones, and have even reached out to my brother. The calls are repetitive, invasive, and cause a lot of stress, even after I 've expresses this to the company. As of right now, I am am moving and finishing up a 2 year custody battle here in the city of XXXX, and I have a payment I just scheduled but was 23 days late as of today. In those 23 days, I 've had over XXXX documented phone calls / voicemails.