The calls have begun

Well, the first creditor has started calling. Yesterday I missed a call on my cellphone. I call it back and it is a Citibank recording. They called my cell # first then called my house twice last night. It wasn’t a live person but a recording advising me to call regarding my account. I didn’t call yet. I can see they are gonna be a pain but I am sticking to my guns. I have read horror stories about Citi. Let’s see what happens. It has been …what 8 days since I am late on my Citi payment?