MY COMPLAINT IS LIKE THE OTHER HOWEVER ONE DAY I ANSWERED MY DOOR TO FIND A DEPUTY SHERIFF HANDING ME 2 SUMMONS. I CONTACTED HALO AND THEY TOLD ME NOT TO WORRY, THEY HAD NEVER HAD ANYONE GO TO COURT. THEY CONTACTED THE ATTORNEY WHOM CITICARDS TO FILE THE SUMMONS AND I WAS LEFT WITH 3 OPTIONS, 1- PAY IT IN FULL IMMEDIATELY, 2- PAY THEM $9, 000.00 IMMEDIATELY, OR 3- GO TO COURT. HALO STATES THEY HAVE A MONEY BACK GUARANTEE. UNDER NO CIRCUMSTANCES WILL HALO EVER RETURN YOUR MONEY. THEY FAILED MISERABLY. I WAS EVENTUALLY FORCED TO FILE CHAPTER... read full review »