I too am a victim of nuvell.!!! I was never treated so unfair, rude, harassed in my life. The calls were so bad they even called my daughter's inlaws that I hardly know. I had two sick leaves in two years and they would not work with me at all. I had insurance to help with the payments and they refused to wait until the payments were issued and called me a lair even though I read the letter from the insurance company that issued them a check. I would like to warn people to never use their services at all. Now I know why GM is going under and its because of their rude and unfair and rude policies. Did I mention I was never late with payments when I was healthy. Thank you