They have got me with two (2) separate accounts. (1- MSR 0207928 / 2-MSR 0222464) I Have tried many times to either combine them or end both. Repeatedly they, (phone operators), have been unable to help nor givie me the TOTAL balance due. NOW, as with many of Americans, I have lost my employment. MSA, is unable or unwilling to cancel my accounts. Payments are over due and they will be sending me to COLLECTIONS. Can someone help me stop this maddness? read full review »