This agency represents themselves as a Law Firm and Collection Agency. When in fact all they really intend to do is harass the people that are facing hard times. I have an account that was assigned to this firm they never made any attempts to contact me until I was served with legal papers saying they were suing me. When I tried to negotiate a payment plan they were unwilling to take any money from me and said that they would get their payments through a wage garnishment. Unfortunately I will have to now file bankruptcy to avoid them taking my pay. The representative Kristie said that since I refused to pay that they were attaching my wages. The fact of the matter is that I never refused to pay I just was unable to pay like many other americans. We have been going through tough times to try and keep our home and with that have had to make some tough decisions on what to let go. Hopefully enough complaints will be filed against this firm to have their licenses revoked.