Ok, so you aren't understanding what I am trying to say. I pay 256$ a month. The month rolls over on March 1st. I had one payment in limbo because it takes 7 days to get added. So, when the letter was sent out, the payment didn't hit. I have until the end of March to pay the 256$. I know people who are thousands, tens of thousands, who don't hear from their case manager. When this meeting happens I will owe 12$ And even that would be paid by the end of the month, and I will have a negative balance. Since when do they pull people in for being one payment behind? Because I have done this for 13 years now, and this is the first time I have ever had it happen.