<prompt> Human: Things have a been a bit rough lately so Ive had some trouble getting my bills paid for. Was between jobs, had to decide if I wanted my family to have water, eletric, and heat or pay the bill from kays. So now Im two payments late. I get a call last week with the person opening up the conversation with Do you have a lawyer to file bankruptcy, almost hung up there but I let him talk a bit more. Informed him that I could make a payment this week since Ive recently started a new job but he didnt seem to care. Basically said if I didnt pay the late payments by a date then Id owe the full amount due. Today my wife calls me at work saying Kays called her phone saying I owe them 8,000. Original price for my item was 2.5k and have 1k left. So basically, Im ruined and no idea what to do to get myself out of this.  <response>: Make sure that when you call Kay back, use the customer service number provided on the card, bill or official website. Dont just call back the number on your phone. 