I was shocked when I read about the 'Schiff' crew in Jonesys post. They did the same thing to me a couple of months ago. They sent me papers saying they were going to put a lien on my house for a credit card bill. I was very upset and frantic. I called the debt consolidation company Ive been working with and after days of trying to get a hold of them they made them an offer on my behalf but they wouldn't accept it. Said yes to a payment plan but Insisted on an already inflated amount - plus interest and costs bringing the bill to about $4000 more than it was. THEN>>>after I agreed to this - I received - in the mail about a week later - a JUDGMENT-signed by a judge - I wondered why - now I know. God - who are these horrible people and how can they get away with this??!! I don't have money for an attorney but maybe if I stop paying them and call them up and say I am going to sue them for pretending I was some deadbeat who didn't show up for court...