Rich Victor the director of billing is very rude and gets smart with you. I sent this Rich Victor several documents proving that I did not owe any money to there bad deceitful client Guaranteed Consumer Funding, and he continued the collection process even reported this on my credit reports, Duvera aka Palomar Associates lies for Guaranteed Consumer Funding saying they are the credit improvement department which Guaranteed Consumer Funding aka CEC Solutions claims they have, But this is a collection company totally separate from Guaranteed... read full review »