I only owed 499 after paying off for 2 yrs a balance of 9 thousand dollars. I was late on the last remaining 499 by 3 days and they added defferred interest of $4100 claiming those were the terms and they gave me 2 yrs to pay.
I never was late in the last 2 yrs of paying them and they would not waive the fee.
I am so done with Sears I would think they would work with you especially if you have been a loyal customer for many years and always paid on time. Their customer service was terrible telling me that it was not their problem.
Monetary Loss: $4100.