This company is the worst that I have ever had to deal with. They call you right back if they think that they are going to get money out of you, but if you have a problem, you will never hear from them again. I took them to court becasue for two months I tried to get them to return my phone calls, I even sent a certified letter that they never accepted. So, took them to court and they got an attorney. They could have uesed that money to just settle with me but they are totally void of any moral or ethical compass!!!