While trying to make affordable arrangements with the company's representatives, explaining lack of employment and vastly reduced income prior to major job loss, the representatives start telling the consumer that 'you are electing to not make any payments' and 'ignoring the bill totally' all while still trying to explain the personal hardship of having to work part-time jobs with just over minimum waged income for one, and the other job being of commission based income (in the sad world of automobile repair) to which... read full review »