This company is a loan shark. We have been paying on a balance of $3500 for over a year now at $125 per month. Not one penny has come off the balance, in fact it has gone up by another $200 ( my balance now is $3769) and is charging a monthly over the limit fee of $35 and $80 interest.
I called them today and told them to send it to collections and that I would not pay one more penny to them. Now my credit will be ruined but I am not going to pay them anymore in interest and fees.
NEVER USE THIS COMPANY!!!