I have experience many of the same experiences as many of these same people. I bought a mattress only for $2200.00 grand total and this company had me pay off the interest first, I agreed to pay off my bill in incurments of $500.00 and the bill should have been paid off in one year, so I would have advoided all that interest, but I got railroaded into this and lost my teaching job and fell behind a fews times. I have paid double the amount and still owe $2000.00. I feel like I am never going to get out of this what does one do, it has ruin my credit all over again. My name is not important but I think everyone should know this company is ripping people off big time.