I was sent a letter stating that I could pay as low as 50 dollars a month for my debt so I sent them the first payment. The second month I received another statement with the total amount due so I figured that they made a mistake so I sent them another 50 dollar payment. I then looked at my account and noticed that my payments were not being fully deducted from my account so I called them. They told me that since I had not set up a payment schedule with them I was just paying mainly interest. For two payments of 50 dollars my account was only... read full review »