Ms. Kunkel doesn't seem to have a clue about this economy and how it has affected us. I have been making payments on a timely basis, even before it was due. Then things went bad a few months ago. I was 30 plus days late. She called my employer, which she has no right to do (documented) My employer said I need to call her right away(documented) When I called and explained my situation, she was difficult, and insisted I give her a date when payment with late fees will be made. She then sent me a very threatening form... read full review »