I'm not understanding why I got a collector sending me letters when I paid you guys in full and you guys took even more money and then you sent me $23 back that I never cashed and now you got people calling talking about I owe y'all $20 this is crazy we need to get a ride here I cannot have y'all messing up my credit over a fake $20 let's get real I need to talk to somebody in charge in charge cuz this don't make no sense you guys have already took more money than you were supposed to agreement in the beginning and then gave me $23 back and now you saying I owe you $20 and about to mess up my credit I need to talk to somebody right now User's recommendation: Don't do it the they will screw you over more than once and I always pay my insurance in full so coming from one who actually pays their bills don't do it they're going to try to screw you somehow.