I worked for this debt collection agency and observed that this company is charging some debtors up to 50% interest, and charging interest for periods before they held the account. They also remove over-charges from the accounts, and do not refund the money to the debtors. They use questionable practices to obtain funds from debtors, and verbally abuse some of them, using strong arm tactics. They also promise medical insurance after 90 days, but as soon as you expect to receive it, you are terminated for some reason or another.