When I got laid off in April 08, I started to fall behind on payments, if I was one day late I was called and harrassed. I always made my payments and never let it get more then 1 month behind. I was unemployed till July 08 and single mother struggling just to make rent, utilities, daycare, food and expenses for Son on unemployment check. I still tried to make car payment but was harrassed daily and numerous times by CPS. They called family and friends and threatened them, asked them to make my payments or tried to get more information out of them but not stating who they were. In July 08 I was hired as PT employee with it becoming FT sometime in 09, so I took it because it was a little more money then unemployment but not much. I did Voluntary Repo and they said they would come get it, but continued to harass me, family, friends were now calling me at work on my work cell which I never provided that information to them. They said some pretty nasty things, belittle me and family ... still wouldn't come get car until I told them it was now uninsured, unregistered and sitting under tree and Hurricane was on the way. They threatened me in all kinds of ways from court, garnishing pay, taking assets. I always sent them extra money during Tax Refund trying to pay it down and off quicker and the amount I owed actually grew instead of decreasing. In Oct 08 I received Explanation of Calculation of Surplus or Deficiency, showing amount owed was about another 1k then what it was or should have been to my belief of what was owed after all payments made, amount sold for and stating I owed them around 2k so I looked at it as that isn't so bad when I next my Tax Refund for 08 in 09 I will call and try to settle with them, but in Nov 08 I received a letter saying that they have made several attempts to contact me which now was so FALSE not one phone call from anyone and I owed them around 5, 600. I called and tried to resolve the matter between the two letters and they claim that I do owe them 5, 600 not 2, 000. In all honestly everything they put me, my family, friends, even step daughter one time through, all the FTC rules they broke they should be paying me 5, 600 for the harassment, threats, embarassment, suffering and almost costing me my PT job!! This company should not be in business from all the research I have done on them I am not the only one who has suffered this way!!