this company is very good at their job, when I say this I mean they are devious and WILL collect money from by any means. I have a case in which I am truely not responsible for the charges. They somehow someway are stateing they have a garnishment. The person I spoke with, his name was skip or something along those lines and he was the most rudest, uncareing thoughtless person I have talked ot in a long time, I hope noone ever speaks to his wife or mother or daughter like that. If you are looking to screw people and don't care by what means, then this is your company. They are ruthless and selfish brutal people they will stop at nothing even if you don't owe the money. They send out "semi" legal documents and use loop holes to get what they want. They have attorney numbers listed on their letters which are not true lawyers, maybe the ones who never passed the bar but not real ones. They use alot of "legal" jargon" but it is just that, junk in other words. they live under the assumption that all people are stupid. If they call block them immediatley and keep in touch with the courts if they say they are taking oyu to court, they assume you're not going to show up and then lie to the courts about sending documents out to you.Be aware they are thieves.