I agree that you should call and explain your situation and how this impacts your health. Have you discussed that due to health issues you are not able to pay or have you not explained this to them? I just ask cause that alone may stop them from calling or if you could even set up any type of payment even like 10 a month. I don't know if that is possible. I know how life things can add to this and really bring on the mental and physical pain. Stay strong and keeping take care of you. There is only so much one can do.