I had a large debt, that I did in fact owe. They were nice about it, and I went in and paid it off. It's better to go in and take care of any issues with them face to face. The people that work on the calling floor, are pretty much told to be rude and inappropriate. My ex-wife used to work there, and she was told to lie as much as she needed to, in order to get information about the persons place of work, address, phone numbers, &c. I blame the companies that use this collection agency, as much as the agency them selves. They know the company's tactics are somewhat questionable. I think the issues with the false collections, has to do more with their clients than the company it's self. Many times if a bill is in collections, and you pay the client rather than the collection agency, the client forgets to call off the dogs. So they keep bugging you.
Pros: Took care of my issues nicely
Cons: A company built on baeing rude and taking advantage of othes