We have been paying for this darn bowflex for 5 years, late maybe once or twice when I called to find out what I owned expecting to be told that I was almost done with the balance and was completely floored and that Karla told me that I stilled owned $2300.00. I said what and asked to speak to the manager and she refused me the right to speak to him so that he could explain to me why I was still owned them that much. This company is terrible and will not work with you. Do yourself a favor and do not do business with them.