LOL....keep calling my house with your voice automated system all you want, we won't be calling you back. Cellphone accounts, even if they go to collections don't hurt your credit, they'll try and manipulate you into thinking they do but it's just a scare tactic. They don't get paid unless they collect the debt so just don't, save yourself the money if you can put up with these goofs. If you want to just bend over and pay, offer a portion of the total, get it in writing and pay the smallest amount you can. Remember they don't get paid unless you pay so they'll take anything!