Working with Consumer Portfolio Services is impossible. Looking at account or trying to talk to them on the phone is impossible. Cheating customers with pay offs. If you are making a payoff your final payment should drop, but looking at a payoff cutting 2yrs of interest off a balance of $10566.00 the pay off would be $10640.00 . How could it increase . they cheat their customers every way possible. I would not recommend using them. If you see them comming run the other way. read full review »