I totally know I made more then 1 offer on the phone multiple times for automatic payments..every email I have from TrueAccord representative*s* they say they want to talk on the phone they don't like emails that say you want to make payments under the amount they asked for...So the fair trade commission was told they refused payments for over a year and went to court I TOLD THEM IF IN COURT YOU MIGHT GET THAT PER MONTH- THE SENT SUMMONS TO WRONG ADDRESS