This company is predatory and dishonest. They have charged me so much in extra charges that I now owe more than the original debt, even though I never missed a payment since December, 1999, until last June when I did not receive a statement. I always pay my bills the first of the month and my credit is good everywhere but here.
I have given up trying to negotiate with this company as I have found them to be rude, unresonable and uncooperative. I have reported them to every place I could think of with no results.
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