this company started collection proceedings for a past due credit card which had a 300 limit by the time they contacted me it wa over a thousand dollars. even they started court papers it was 1100 I called to make payment arrangements and they would not work with me and make payments that would work with my income I offered 50$ a month even wsd going to make a payment that day and they wouldn't unless I paid 295 first I didn't have that much money. now they have put holds on my checking and my savings accounts. my check is direct de posit I can't pay my bills, put gas in my car or get groceries not to mention Christmas is in 5 days. merry Christmas to my kids!!!