I have 2 debts with them. I know that they cannot call before 8 am, but they call at exactly 8am. Anyway, one of the debts is a checking account the original over drawn amount was $111.00, but with all of their fees it now totals $407. I asked them to forgive some o;f the fees, but they said since I admitted it was my fault they wouldn't. So now AI says they will settle for $325. I personally think that is too much, but I'll have to pay it. The other is $80.