I just spoke with 3 different people with this company and what a joke! I use to handle legal garnishments for a collection agency and now understand why so many people liked my former employer. I received a sif letter that expires today and advised each person I get paid friday and would do a post dated check. the "settlement manager" was more concerned with meeting her month end that actually closing the account or forbid try any other way to get some amount of payment for this month.