This company, is not a legitimate company. Do not do any business with them if they call you on the telephone. They seem to know everything about you when they call. Hang up on them when they call. It is a scam. This criminal organization will take you for everything that you have, if you let them. They will ask you for either your credit card number, your social security number, or your bank account number to pay seemingly legitimate bills that you actually owe someone. Under no circumstances give them any information. They are criminals out after your money. The legitimate company, Capio Partners of Sherman, Texas, on the other hand, is quite legitimate and are really decent people with which to do business and they will work with you. Just thought that I had better pass this along to everyone before someone else gets taken by them. However, if you have been taken by them, talk to your banker and that person will do their best to help you recover any lost monies you have accrued. 73!