This company has given me so much grief and stress, I have even had to go to ER for chest pain and now need a cardiac work-up. I am not a young woman. I owe the money, but I, like millions of other Americans am having a very hard time. I am truly doing the best I can and will pay what I owe as I can. I work Full Time and am not on any Govt. programs. I am just tired of being abused. I thought it was against the law. I don't know what to do. I cannot answer my phone. They wake me up and run my cell bill up and I have to have my... read full review »