I have been behind on school loans for a few years.I received a letters from Diversified Collection Services explaining i needed to set up payment arrangement sent me letters and called me repeatedly harassing me about paying them.They repeatedly called me until a employee named Bob Miller tricked me into agreeing $90 a month so my account wouldn't go into default to where the government would take my yearly income tax refund. I explained to them several times that the choices they were giving me to pay them were not under my standard... read full review »