Although they sent numerous letters offering to settle our debt payment by 50% if we made payment arrangements, or paid off an old utility debt, when I called to make payment, they insisted on receiving 100% in order to clear the debt from my records. When I called to complain, telling them what poor business practices they had, sending out settlement letters that they had no intention of honoring, the representative I was speaking to got very mouthy and proceeded to hang up on me. read full review »