This is the most uneducated bunch that i have had to deal with. Paul Chance, Jeff Scout, they honestly believe that their bully tactics will work all of the time. They call my business and discuss with my employees my financial matters then they ask my employee if they should sue to collect their money. Of course the amount they claim is thousands more than i actually owe. I will not Pay them a cent! If these clowns call you record the conversation! They will violate any and all FAIR DEBT COLLECTION PRACTICES. These guys are unethical and morons. my opinion of course. just sharing what i went through.