This company is fraudulant and ruthless. You can not even speak to them. You try to have a coversation with them and with them, it's their way or no way. I called to speak to them about a garnishment they had placed on my check, for 25% of my paycheck each payperiod. I had no clue what the debt was. When I contacted them, they were VERY RUDE, to say the least. Finally, I was told that it was a debt that pertained to a credit card from 2001. (9 years ago) In Ky the Statute of Limitations on a credit card debt is 5 years. I mentioned that to the guy I was speaking with and he immediatley told me he did not care. That they were garnishing my wages and if I had a problem with it, Get a Lawyer. My main problem with this issue is that I was never notified of a court hearing or process to dispute the debt or anything. One day I get a notice in the mail telling me that my wages are going to be garnished and if I had any questions contact the Company. I tried that. They are not willing to work with anyone on unresolved debt. My only choice now is to file bankruptcy. I am a single working mother who lives check to check now. I can't afford to have an additional 25% of my check taken away. These people are vultures and have no sympathy for working people. My intention when calling them was to work out some type of payment plan with them. Now, I will file bankruptcy and they won't get a penny!