This is for a HELOC which became due in XXXX. However, the company had sent me a misleading letter in XXXX, telling me that the term would expire in one year, meaning XXXX of 2015. Even though I have requested them to stop calling me every day, and sent them a certified letter to that effect, they continue to harass me with a robotic call every day at XXXX. Our situation has not changed - we are trying to refinance our house in order to pay off the HELOC.