Rich Victor the director of billing is very rude and gets smart with you. I sent this Rich Victor several documents proving that I did not owe any money to there bad deceitful client Guaranteed Consumer Funding, and he continued the collection process even reported this on my credit reports, Duvera aka Palomar Associates lies for Guaranteed Consumer Funding saying they are the credit improvement department which Guaranteed Consumer Funding aka CEC Solutions claims they have, But this is a collection company totally separate from Guaranteed Consumer Funding aka CEC Solutions. They are working together in a very scandalous way. I won an Arbitration case against CEC and Duvera is still tiring to collect money from me. No matter what I prove they still continue to damage my credit. You can not trust this company! They have several names Palomar Associates, Duvera Financial, Duvera Collections, and E-Commerce Exchange.