Marvel & Associates has been calling and threatening me with legal action and investigation. I have tried to talk to them to come up with a payment plan but they are hateful and uncaring. I was in the hospital and then lost my job because I was in the hospital. They threaten all the time. I don't want to talk to them. I would send them some money but I don't have an address as they won't give it to me. Can anyone help me? read full review »