They are below one star! This business' office is run by irritating incompetant personel. They force people coming in to make payments stand waiting while they answer numerous phone calls. Then they argue about billing amounts when they have the statement in hand. There is one employee that enjoys putting a customer attempting to make a payment on hold and after a long wait hangs up the phone. They also stop taking calls, leaving the caller on hold, then cutting them off after the long hold, minutes before their noted closing time. My opinion is that they are a bunch of thugs who think they can get away with abusive treatment of customers because they are the only service in the area. The collection workers do their job well.