I had a student loan in collections, for a little over $1, 200. OSI contacted me and said if I get on their 9 month program (paying $50 a month), the loan will go back to the original creditor to repay the rest of the balance. And would be removed from my credit report. Well, I did the 9 month program. Waiting to get a letter from the original creditor (WFS), I received a letter from another collection agency, ACS, wanting the balance in full! I did look at the statement ACS mailed me, and low and behold, the $450 did not lower my overall balance! In fact, I just gave OSI $450 of my hard earned money!! read full review »