I purchased my Bowflex thinking it would be great, the equipment has stood up to the commercial. I have been paying on it now for YEARS. They will not work with me on a plan to get this paid off. You can not pay up your payments, you have to make a payment every month even though one month you may be able to pay up two months payments and if you can't pay the next month you are charged a late fee and in my case with the late I am now over the limit. I have let them know of problems and that my hours have been cut along with having to take furlough days w/o pay and it keeps adding up and up. I have told them to come and get the bow flex. They say they don't do that. I ask what happens if I just can't finish paying for it. I am going to have 6000.00 in this thing. They SHOULD EXPLAIN THE FINE PRINT INSTEAD OF TAKING ADVANTAGE OF A WORKING INDIVIDUAL. I have been trying to pay on time. I just don't feel like they are trying as hard as I am in helping people like myself who financially struggle in this last years economy. THEY JUST DON'T CARE.