I have been getting up to 10 phone calls a day for the past 2 weeks. The credit card I am lte with talked to me right before x-mas. I told them I had no money and wouldn't till the end of January. So this machine calls the house if you pick it up and by some incredable chance get a real person they connect you to yet another person who 85% of the time nI get cut off. I have told my story to so many people there and have told Orchard Bank the deal when I can pay. Today already I have had 3 calls, and it is only 9:00. I am on disability S.S., was on Medtronics long term disability, they cut me off with no notice. Am goiung to school will pay w/ my financial aid. But the keep bothering us no matter how many times I talk to them