Nicor solutions was supposed to set me up with a level pay account for my gas company bill (Nicor, which by the way, they are not part of) . I made my payments and was way ahead of what i actually owed the gas company. Then i was 2 weeks late on a payment. Nicor solutions now said i owed them a "penalty" of $632. They have tried to sue me for the amount, but as they don't have my signature on anything that says i agreed to this penalty, no lawyer will take the case. The amount is something they apparently pulled out of their collective a**, since it isn't a multiple of any of my payment amounts. This has been going on for years and they have managed to ruin my credit with a black mark of a "pending lawsuit". I guess the only option i have is to pay their extortion, because i can't afford a lawyer to sue them. Don't check any boxes on your bill that you are interested in level pay. That's all i did, and now my credit score is a big fat zero!