In short... I sent my payment through bill pay as I always have. They said they didn't get it. Three months later, more than 10 calls to them, collection calls from them, a hit on my credit and 2 faxes with proof of payment, it still is not resolved. Today I finally got a "stateside representative" who had all the information on my account. Did you know that you can always ask for a "stateside representative"? I didn't until today. I have spoken to people from India to the Philippines. I am holding out a little bit of hope that it will now be resolved. If not, I will update this site again. -Pam read full review »