I received a letter from the company 2 mos ago offering a 60% settlement on the bal but didn't have the funds at the time...I now have the funds to settle on the bal b/c of tax refund and rep directly told my wife could not settle, sad that could either pay full bal and would forgive $100 of bal (which is a settlement by any meaning of the word) or make 3 equal pmts to pay bal off...We were also told that payments had to be made by a specific date or would be sent to attorney for legal action and have since been unable to contact the rep... read full review »