Very disappointed in them. Terrence was nice, howe...

Very disappointed in them. Terrence was nice, however I was told the entity I owed money to did not negotiate. After contacting the entity myself they stated they did negotiate. Now I am in limbo for I again was told a lower figure, still too much, but again was told that that was the "final offer." I am being forced to file bankruptcy because of this. No one will get $$ and this is very degrading.