I have been on disability for over a year due to an accident at work and ACS has honored my defferments due to that fact, now they are trying to say they no longer accept the fact that being disabled qualifies for a defferment. I can't work because i'm on disability so in essence I can't pay them, but do you think they care? then when I tried to go on their website to contact them all you get is a big runaround, this is one of those companys that dictate the rules as they go along to benefit themselves. read full review »