This collection agency is very rude and malicious. I made a payment on a medical bill that I had not heard from, nor received any correspondence from in several months. After I lost my job, I lost my medical insurance, therefore, the insurance company would not pay the claim. Being disabled and finally recovering from financial and economic disaster, I finally paid the debt off. Right after I paid the debt, without any warning, contact, statements or letters, First Source placed a negative collection account on my credit report for a balance of $36.00. Now, after trying to repair my credit and financial situation, they maliciously lowered my credit score with this fraudelent fee.