I have tried to call them, to work out something. The debtis from 3 years ago, the credit card was wrote off and I know they got a tax break for it, so any money they make they pocket, so the limit on the card was 300 and I owe 1900! so the lowest they have went is 1000. not reasonable for someone that makes 8.00 an hr. they have threatened to put me in jail and everything. they are RUDE!!!