CANADA -- Go to my message board if you live in Canada and feel you have been experiences ILLEGAL collection practices. Even if you don't live in Canada, I will try to answer your question as long as it doesn't have specific state laws involved. http://wallbreaker.proboards22.com/
ORLANDO, FLORIDA -- I like when they say they can 'settle' the account if you pay a ridiculous lump sum fee. If people can't pay the minimum, what kind of stupid proposal is that, anyway? I talked briefly with some lady who wanted to be my 'representative'. Er, I don't think so, lady.