I called this company to attempt to resolve my debt by making an arrangement. However, instead I received a very uncooperative attitude from the agent I spoke with. She never identified herself now that I think of it. She offered me ONE option only and even with that it was not feasible for me. She continuously kept saying that I should have been more responsible, etc. I am totally AWARE OF WHAT I AM RESPONSIBLE FOR! Hence my calling to work something out with this institution where they will get their money and I can afford to do so! This is outrageous and rather deal with a law firm than them!