thank you for answering my question-

what about if you used your allowance (i thought I read that you get one - if you don't then never mind) yes it is your mom's money but she is giving it to you as you see fit.
and You STILL CAN call them tomorrow with your questions and talk to Linda and maybe set up a payment plan, or tell them you don't want this or that etc.....
ETA

while I'm not advocating lying to your mom - but if it keeps her from yelling and screaming @ you - with the same results.........