I can imagine why they would call you at home if the bill was late. Usually, you should get a couple of warnings or overdue notices in the mail first. Why not use autopay/or Web based pay? I autopay/internet-pay everything except for gasoline, groceries and donations that I make to charities. And I don't pay any fee for any of these...Rent, Insurance, Credit Card Snowballs, you name it...
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