Does anyone else freak out when you get a phone call and the caller ID says, "Card Services"? [View all]

I have one credit card that has an exceptionally, unbelievably high interest rate of 36% (due to bad decisions I made years ago) and $2850 on a $3000 card, and they call literally 20 times a day. Cell phone and home phone. They are relentless.

Anyway, I called them and told them I'm willing to make arrangements to get the card caught up. I'm "only" 2 months behind. I used to have 3 jobs but lost one when the business closed (it was a mom and pop, I was the "courier" for the company). I have recently however, gotten another job that will allow me to quit one of my two other jobs. There is a slight raise with the one job over two of them but I'm keeping the last job because it pays more.

So, I'm talking to the guy, told him i got a new job and he starts telling me, "No arrangements. You're working, we want our money". (That's a disadvantage of having a high interest credit card, they WON'T work with you). If I could have crawled through the copper lines, I would have, then strangled the guy. I pleaded with the guy to give me a break because I'm starting a new job and haven't gotten paid yet. He gave me an additional week past my first pay date, but charged me $40 to do it. (Because I'm going past the due date, it's a "late charge", again. Yes, they kick you when you're down).

This is NOT, NOT a call for help. I am NOT asking for help. I got myself into this mess and I'll get myself out.

I was just wondering if others out there are experiencing the same thing.