Hello how may I help you? Can you help me with my account today? My number is 555-333-8773 Sure I want to know how much I owe in late fees Waiting i am checking Okay. I'm still here You are $140 owe in late fees ,Do you want pay it? Is there a payment plan on that? I can't afford $140 today Have you Web money or Paypal? I have PayPal. Can I pay like $20 per month? Sorry but you can $70 every month Okay charge me then