I have an account with Bill Me Later, which is an online credit company that lets you buy things and pay later. The problem is that I lost my job 6 months ago and I am no longer able to pay the minimum that they are asking. I also explained to them my situation and I still get bills. I have already issued them a do not call letter and I haven’t had any calls for three months. What can I do because I desperately want this to be over with? I am not sure if anyone here has an account with them, but I would greatly appreciate any advice.