I started with this company in April 2014 and it's been the most horrible experience. They charge for unauthorized late fees with no notice. Then if you make a payment arrangement they still charge late fees. Telling you that s verbal agreement isn't good enough. They don't give you no grace period to pay your bill. I was expecting to get my check 2days later than expected and they said "you are still going to be charged a late fee because we had to send out a notice" but I still have yet to receive. Do Not Sign up with this company, they will nickel and dime you for breathing. Horrible!!!