These people have been very verbally abusive to me. I have worked with them and paid them every single month despite the threats they have given me. I finally settled with them a payment for my last two months to be paid off and that they would give me $123 off. The date my payment was due I called them and they said we did not use the word settlement with you because your credit card was declined we've changed our mind. I asked to talk to a supervisor who said she would listen to the recorded calls and call me back. She never called me back and I have asked for a copy of the recorded calls because they have lied and not kept their part of any deal or arrangement they said they don't have to keep our a deal and they don't have to honor and a arrangement they also said that they wouldn't give me a copy of the recorded call