Well let me start off by saying that I recieved my auto loan through another lender that went out of business and Consumer Portfolio Services (CPS) took over their clients. When I recieved notice about the switch I immediately googled CPS to see the company profile and was so surprised by the number of complaints and negative reviews I saw. I immediately labeled them as the type of company that I wanted nothing to deal with but at the same time there was nothing I could do because I like my car and I figured I would just have to stay on top of my payments to prevent any problems with this company. Well like many sometimes life hits us with the unexpected and I fell behind on a few bills and unfortunately my car note was one of them. I regret having to call CPS and tell them that I would not thave their money but I had no choice so I called. I admit when I called there was a guy that was rude but somehow we got disconnected (I didnt hang up I promise lol) and when I called back I spoke with a woman who to my surprise was very professional and actually worked out a payment arrangement with me. I thought it was too good to be true. To my surprise I never once recieved ANY harassing calls and I made my payments as promised. So I was so surprised about all the complaints I saw but then I realized that this is a company that works with people with poor credit. I can only imagine the ### calls they recieve of people trying not to pay their note and trying to get over. I am not making excuses for this company I just feel that we as people should be more grateful because they did not have to approve us for a loan. We are a risk to their company and we should do our best to pay our car note and try to establish some credit cause obviously our credit sucks because if it didn't we would not have to go through CPS.