So i send these freaks money in check form to settled long over due account and the accepted the check and never heard ANY THING ELSE that was in 2006 when i sent then 898.30 and i get two phone call very short and then a litigation notice saying 20 years of bad credit and 5000.00 is what i will need to pay ...lol butt off i wrote a check sooo take that corp. ne ways BAM Associates are the people trying to get the money from me now UGUGGGGGG