Ok here is the deal my father in law is 74yrs old his wife just passed away and with her passing he lost a source of income. He owes juniper around 2300.00 he asked me to call his creditors and see if they would be willing to settle his accounts at a lower payoff amount, Merrick bank is awesome by the way. and most of his credit cards and store accounts agreed to do so one company cut his bill in half. Then I call juniper and get the phillipines over and over and over and it is the same script every time. So as a former investigator I... read full review »