I had two accounts with them and faced numerous hardships and difficulties, but I still tried to communicate and work something out. I would message about one account, but they would reply about the other, and this frustrating cycle continued. Additionally, it took them weeks to respond each time. Eventually, they passed the account over to Overdales, despite having already agreed on a settlement. They didn't proceed with it because they wanted to ensure I paid off other debts first. I had clearly told them that I received money from my family as a gift to help me become debt-free. Their lack of coordination and slow responses made an already difficult situation even worse. To make matters worse, their customer service was unhelpful and often dismissive. It felt like they didn't care about my situation at all. The entire experience was incredibly stressful and disheartening. I called many times, and after waiting 30-60 minutes to get an answer, I was often told they couldn't help me.