They are dishonest and lie too. They send me a letter saying that I owe a debt but they are not able to provide documentations such as original invoices, contracts, and other documents I request to verify the debt. Also, at two separate phone calls, they told me that my credit would be impacted negatively if I didn't pay the full amount. and the 2 reps gave me different dates. It just makes me think that is one of their threat tactics. when I exercised my right to request for debt verification, they gave me a one page doc that said they slabbed on a collectiaon fee & nothing else to support validation of the debt they claimed I owe. Also, the rep told me that they know the law and are legally able to put interest and collection fee on the original debt amount. That is already violated the federal and state law that states that they cannot charge fees & interest once it has gone to collection unless the fees and interest were already added by original creditor before the debt was assigned to c. ollection agency. If anyone has a problem with these collectors, should report to the FTC via their website. It may not help you solve your individual case but it may hopefully have enough complaints that the FTC will look into this company and their unethical practices.