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My son actually called it before I called them.  He said that was probably your last payment and you probably owed a bit more.  I said that's stupid to send people a letter like that.  Now this lady has to do extra work.  She said her department can't even process payments of less than $50 ... so now she has to waste someone else's time.  I hope that's was a mistake and not how they regularly do business.  It's confusing and just creates more work.  I said I would have been fine if they just held my title for 1 more month and auto-charged me the $6 next month.