I disagree. I have worked with this company in several ways for years. Their recovery rates are one of the highest in the state, and their complaints are the lowest. I have found them to always be highly professional, courteous, and have a profound respect and understanding for our U.S. soldiers overseas, as well as local customers fallen on hard times. Many of their clients are gained via word-of-mouth, and some of those have once been ACB debtors themselves! If you have to deal with a collection agency, I couldn't think of a better one to be stuck talking to.