Run as fast as you can from this company. They will screw you without a kiss, candy or flowers. My payment was due on the 12th of each month. The check was mailed on the 3rd and I was told it was not received until the 13th, thus a late charge. Imagine my surprise when the automated system said my check cleared on the 5th. They will DO ANYTHING to get more money from honest, hard working people. They are the rudest customer service people I have ever dealt with. The government should investigate them and shut them down. This is a horrible way to do business, I regret the day I ever got mixed up with this so called company. I hate it, and I hate having to deal with anyone there. Do not call there and expect to be in a good mood when you get off the phone. They kept telling me they were not the postal service and could not help me with the question of when my check arrived. So I said, "I know you are not the postal service @$$ hole, and hung up. But I did get to speak to a supervisor and demanded the late charge be removed. The people are horrible. RUN, RUN FAST AND FAR AWAY. YOU WILL BE SORRY IF YOU HAVE TO DEAL WITH THEM.