The intial information supplies turned out to be false. After my wife died, her business closed. I contacted this company to tell them just that and was told that the account would be cancelled. It never was, even though no more credit cards were ever again processed. They in turn entered a collection against me for $418.00 in January 2009 and never told me that they intended to do so. There was never any money owed, I still do not know how they came up with a collection of $418.