I purchased material for $77.24 and was using paypal to pay for it. Instead of paypal I got a service called "Bill Me Later" which appeared to be part of Paypal. Two months later we received a notice(the first one) about bill me later. We contacted the company to find that we owe them $99.24 which comes to approximately 26% interest. This is usury. Not being informed about late fee interest and not receiving notification of the bill. We paid the $99.24 bill by check today.

you're probably one of the stupiest people on earth - congratulations!
what the hell did you think was going to be charged - and you not getting a bill in two months; lie - it all is via email.
did you think you were going to get your stuff and then not pay for it?
you should collect your 'stupidest' prize - it's free gas - you should go look inside your gas tank to make sure we delivered it - hint; use a good set of matches and peek in real close