While it’s not fun to have balances in collections or deal with the aftermath of it to begin with, at least dealing with it can be a positive experience with the right people. (The rep) was extremely pleasant, helpful, knowledgeable and offered all information asked for quickly and efficiently. I was also super pleased that there even is a Live Chat option, because my social anxiety makes phone calls really hard. This was a lifesaver so we could both be on the same page while working towards the debt resolution.