In february of 2008, a consultant called me and spoke with me about my "past due account". There a few things I want to express: 1st and foremost they called me at my job and knowing that I was "not allowed" a personal phone call during hours, I told them repeatedly that I would have to call them back. They kept on insisting a payment which they discussed a $25 payment from my checking account; and then they said, well we will just take it out $25 every month until it is paid in full. I did not agree to this and I do not approve of anyone taking money out of my account without my authorization. Now I would say this is the worst business like unprofessional person I have ever delt with and attitude, I would suggest that they go to some sort of seminar on "how to treat customers with respect" and do not look down on them and make them feel like dirt because of a debt. I know I owed this bill and I was paying what I could when I could and foremost I do not like being treated as though I owe that person something. I am highly outrageous upset with your company and I would not recommend any business to put their faith in your business to collect any debt for them.