I owed money and after looking at reviews of this company, chose to deal directly with the direct account whom I owed. Accounts Receivable told me that they Owned the debt. However they lied as the debt was only referred to them. When he figured out that I am an educated consumer, John Trizzano at AccountsReceivable had a charming mini-tantrum and hung up on me as I spoke politely and in measured tones. I told this man-baby fat boy Trizzano that I would pay him in 24 hours which was enough time to trick him and for me to determine that I could settle with the original account HAHA FOOLED YOU JOHN TRIZZANO. DO NOT DEAL WITH THEM UNLESS THEY OWN YOUR DEBT- DEAL WITH ORIGINAL ACCOUNT HOLDERS IF ABLE. IF YOU DISCERN THAT THEY OWN YOUR DEBT DO NOT PAY THEM before you speak to a lawyer. I doubt this company has the assets to buy debt. THESE MORONS ARE EXCONS. IM SO HAPPY I DID NOT PAY THEM A CENT. And my credit rating is 810. They will lie and tell you they will take you to court Unprofessional and load of jokers.