Update: So I stopped paying Westgate for months now and they sent me & my husband a collection letter from ICA and they've been pestering us with debt collection calls (without they're caller ID showing) as well. Just finally answered the call today and spoke with the representative who was "trying to help" me pay off my debt with Westgate to get back on track with them. She was so "pushy" for me to pay it off before speaking with my husband. I told her I need to discuss this with my husband first before making a decision right off and if she could give me a number to call back but she would just kept right on pushing me to pay up something minimum just to get rid of the collection but I told her I don't want to get back with Westgate after what they did to us. So, to end it I told her I would have to call my husband on the other line, she hang up after 30min or so.