I am warning any consumer that goes to purchase anything at Ashley Furniture through Rac Acceptance. They are a nightmare I purchase a sofa cost me almost $4,000.00 made my monthly payments on the sofa plus a monthly insurance for the merchandise. My sofa broke and Rac did nothing to help me all they cared about was the monthly payment. Ashley Furniture was nice enough to honor an exchange but it was not the sofa I have ir wanted. I wanted the sofa i had that is why I continue to pay it off instead of leasing it. I was a few months to the end of my lease I have now paid thousands of dollars and hundreds of what I consider a "fake" insurance charge through Rac they took my money for 2 years and now I am out of my sofa thousands of dollars. DO NOT DO BUSINESS WITH RAC IF ANYTHING HAPPENS TO YOU MERCHANDISE THEY DO NOT CARL THIS IS A HORRIBLE SCAM THEY ARE RUNNING. STAY AWAY FROM RAC !!!!!!!!!