Don't EVER make any agreement with this company!! They lie and say they will work with you but they won't,after paying for 2 years and having my balance at almost nothing i forgot one payment and instead of them giving a late fee or notifying me of default they tracked on another 800$ and won't work with me. They are extremely rude and don't care how good you are in your payments if life happens. I even tried to pay my original balance and close my account and they wouldn't take it out work with me. They are money grubbing and deceiving.