I have made payments on time for 4 years now . I was late once by 3 days and they called my employer . This time I am 15 days late ( did not skip a month )Had a Hart operation . These people are the bottom of the barrel . You know the nasty stuff . They probably sniff each other before calling us to assure themselves they are nasty . I bet they eat sandwiches in the bathroom and brag how good they taste . They are reading this and agreeing . So next time go to the bathroom smile because all the nasty stuff is CPS . . I know I made a... read full review »