Harrassing phone calls, terrible customer service...reps yell over you and will not let you speak. I've repeatedly told them I haven't worked in 3 months and have no income at all coming in and to contact me by mail only as they are putting my health at risk by their "collection" techniques. I worked collections for 6 yrs and I know the rules and regulations. They continue to call and are as rude as rude can be. Have filed complaint with BBB and next step is harrassment charges. This company needs to be stopped in their tracks and I will now just not answer when they call...I've tried talking to them SEVERAL times, but it just isn't working with them. Avoid AT all cost...they are wrong and rude and I will let everyone know about them.