It is truly amazing how many 'Ex" and present employees or shills get on this site when their precious WAM gets a hit. Most of these claims seem true by default considering the extensive investigations about this sorry excuse for a company I've engaged in for 2 years now. I've done my time with these cubicle dweebs several times in the past ( Casper the not so Friendly Ghost dept) and my attorney wants his pound of flesh from you goons who are sooo much in Federal compliance...It sure proves one thing for sure, the scum really does float to the top of the genetic pool because I can smell the WAM stink from here and surely some people shouldn't be allowed to breed because the stink is getting to be a sad re-run. the reason why people like me and other WAM victim's hate the credit 'nose ring' and either opt out of the system or 'rip-off' the bottom-feeders, is because paying them means they get to eat, continue their ways with phones and technology and above all: who in their right mind would shoot themselves in their own foot? Bottom line: this monetary behavior, predatory lending and collection practices, is why the economy and the country is taking a nose dive on the world stage, monetary or otherwise.Just remember this you WAM dirtballs, pay ME when the judgement comes through and I'll give it a thought about paying for your canteen draw at whatever penitentiary you hopefully reside at, trying to get a real job.I hate to think if our situations were to reverse guys...remember Drawing and quartering?