I was 3 months behind on a credit card and they decided to send it to collections. I paid the minimum due plus the late fees and found out by mail that they sent it to collections. I called the company and spoke with Shaun Grenning who was probably the rudest person in the world. I asked to speak with someone else and he asked why. Then he asked me why could I not pay off $500 in a year. Then told me this is the type of treatment I get when I don't pay my bills. Excuse me! Everybody's finances are not the same. He must forgot, he was trying to collect from me. I tried to work out a payment but he said $96 was the minimum.