I worked for them for 6 years, you want to know why you get treated the way you do? because they teach that instead of the customer is always right, that these are not customers they are debtors and debtors LIE ! end of discussion ! and YES if you dont set up FORMAL parment arangents with in 30 days they can and will sue you and garnish your wadges. for as low as a 20$ debt and the legal fees will make it so much more ! and if it is a ticket you dont get any warning, you legally do not have to sue first. If you are wondering about them breaking laws... look up and learn the F.D.C.P.A when they break it quote the law back to them most of them working there now DONT know the laws and you CAN sue them!