Don't do buisness with these idiots. I am on hold right now with Amy who is supposedly the supervisor. Connie powers is also an idiot there who is in charge of new accouints. They stated that they would not settle any of my accounts and now they are flipping and telling me that they settled some of my collection accounts. I am sure that they are not on the up and up and will be filling a report with as many agencies as I can.