They were easy to work with in the beginning. I made my payments on time for a 20'x12'temporary shelter with a round metal pole frame and a large tarp. The quality of the product that I purchased was half and half. The framework was outstanding the tarp was nowhere near what they claim to be but that's not breads fault. I was satisfied enough to make the payments on time and things were going well. I went to the hospital emergency room and tried to explain that I had a 104 temperature and I believe it was caused by aseptic meningitis because I've had it twice before. A woman came in with a child that was crying and she bumped me to admit the child first. I ended up passing out on the floor of the hospital emergency room. Someone was kind enough to let her know at the desk that I had passed out. They immediately got me into the emergency room and checked my temperature. Their knee jerk reaction was to treat me for covid-19 where I had an extreme reaction to the drugs and it caused me do you have a heart attack. I was unconscious for 67 days in a coma were they instituted life support. When I woke up I was in a tent. A man was standing over the tent and I was able to grab his smock he looked at me and I mumbled aseptic meningitis. Then I passed out again I woke up a few days later and they were treating me for extreme dehydration and trying to get my body not to react to the drugs they had given me before. I had an extended stay in the hospital and I don't even remember signing any paperwork but they drained my bank account at the hospital. I had $49 to my name. Needless to say I lost my job because I didn't show up for over 60 days. I'm 65 I live alone thank goodness a friend of mine had not seen me and knocked on the door. I left it unlocked and she took care of my dogs during the interim. She had no idea where I was. I explained all this to bread when I got out of the hospital. They sent hospice home with me for the first 14 days. Bread was polite they were understanding and the first thing they asked was when can I pay the $615 in arrears. I explained I had $49 to my name because the hospital had drain my account I could not go back to work until XYZ. This conversation happened several times and they called me a few days later as I explain my circumstances again. I told them I have insurance if I die you'll get paid 100%. I also explained I had spoken to my boss and he said I could come back but only take a half shift until I got better. I explained that to bread. I could start a coue weeks from the day we talked. 3 days later I started receiving collection calls every single day. 1 in the morning 1 in the afternoon. Then we had the power outage in Texas. The pipes froze in my house I had no heat I had no electricity and I just wrapped up in blankets I had no way to charge my cell phone. I spoke to bread multiple times they were very polite and I agreed to make a payment if they give me till a specific date because that would be my first check, they hold back a week. They agreed I tape-recorded all of our conversations because they tape record the conversations. I also stated I might be able to pay a little bit more give me until Saturday at 2 p.m. and I will call you and tell you exactly what I can pay, I promise. I received a text the next morning that they were going to take out $205 out of my account the very next day. I only had about $49 in the account. So I walked a mile and a half and closed the account rather than have my bank charge me a substantial fee and go ahead and push it through and being in arrears with the bank also. I was mad and frustrated I have all the texts and all the agreements. When I called them that day all they could talk about was when I can make up my arrears. I only worked a few days it was the same thing that I just went through with them. She said just make a partial payment then through your bank checking account or debit account. I got really frustrated and angry and I said did you not listen to anything we talked about? You need to go back and listen to your tape. I no longer have a bank account. I no longer have a debit card. Because you broke our payment agreement. I can mail you a payment give me a physical address. I was told she wasn't sure they could do that. I said well I'll make a payment that way. I have no other way to make it. She said she would check into it. Everyday I've received 2 to 3 calls from then by an automated stating it was a very important message in reference to my account please call. I finally called back and said I have four other creditors all four of the other creditors understand my situation and I've worked out a payment plan with them instead of you because you did not keep your word. I have paid off two of them since. Once I get the other two paid I will pay bread. They'll be the last not the first to get paid this time. I told them I will attach a statement to my credit report.Sent pmt via Mail MO has not been cashed as of 4/8