I am here to see if there have been complaints against this company because I had a gut feeling. I do owe the money and TRS is offering me 50 percent off. Neither amount is large but I had been out of work for almost 3 years due to illness and waiting to see if I would be approved for my disability benefits. Now that I have money I am up for paying those things off. They give me an option to pay by credit card over the computer and something about that made me think twice. I like it. I don't have to deal with any one yet you would think they would harass me some way. I just wonder (I remember them having one of my accounts before, maybe this one), I just wonder if they could look it back up, make a good offer and be off with the money. So, i am checking other complaints.