pioneer credit recovery has been taking automatic monthly payments out of my account for at least ten years but when they send my monthly updates of how much i owe the balance is always no more than ten dollars less than it was the month before. I fail to understand how that is possible. My bank account has gotten messed up numerous times because of this company. I honestly believe that I have paid them a lot more than I owed on my loan. They can never seem to point me in the right direction when I call them. I'm legally disabled and they've threatened to take my disability checks is I don't pay them.