After trying to reach a settlement with this company, I had to change the amount of a payment. When I called to change it, I was basically told that I needed to do as they told me and that they would file suit against me if I changed my payment. In turn I told them I knew my legal standings and they had no such ground as long as I was making a payment of some sort, which was the reason I was calling. They still harassed me, speaking down to me, threatening to call my husband to tell him what I was doing with his money. Also, he (Jon) told me that he had the upper hand, not me. When I offered to let him talk to my lawyer to settle this (I don't play games) he suddenly became very nice processed my payment. Horrible company. Be very careful when dealing with them and make sure you know your legal standings for your state when you call.