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Well, Currently I made that mistake and got stuck in one of these. However Things to note: 1. The Salesperson falsefied my credit check application, including my girlfriends salary to make my salary look larger. a. We live in 2 different states. Granted I called and made this complaint, which they found unwarranted.... So ...I simply have not paid. I made a complaint to commenity bank about the fraud. I had signed a pre-auth form for Direct Deposit, however they cannot do so without a current signature, which I have not signed. At this point I have only paid 90$ when I was at the resort in Wisconsin Dells. Since they cannot communicate with me, and I have not returned a call, they cannot report me for non-payment, because nothing was started nor was anything missed. ...it does stink..but this seems to be the only way .