I was paying this company every month on time. They proceeded to place a $1200 lien on my checking account. I went to the sheriff's office and filed an exemption to get my account released in 10 days. I continued to pay Kramer & Frank every month on time, but with a money order. Next served my employer and demanded that my employer garnish my wages $200/week. They told my employer that I was not sufficient with my payments. I am not unable to pay my student loans and daycare. I currently filed a complaint with the better business bureau and I suggest everyone having a problem with this company do the same! read full review »