No matter how many times I've been late for payments in my life, not ONCE have I ever had a human being call me up and demand payment over the phone. It's alway

No matter how many times I've been late for payments in my life, not ONCE have I ever had a human being call me up and demand payment over the phone. It's always a long series of attempts to collect through the mail. Let alone calling up and demanding I pay using Zelle...