If I could give a negative rating, I would. Speaki...

If I could give a negative rating, I would. Speaking on behalf of my fiance, this agency has been extremely abusive and underhanded toward him. Some may say they are a legal firm, but in all actuality, they are a debt collection agency that utilizes attorneys. As such, they have certain state and federal legal requirements to which they must adhere.
My fiance does not dispute that he has a debt he is legally obligated to pay. He is not trying to shirk his responsibility, but has been attempting to work with this firm toward a mutually acceptable agreement. He has spoken with his "handler" and her supervisor on a number of occasions. The handler is the aggressive person who consistently reminds him that it's all his fault and he needs to pay for it. He knows that - she doesn't need to keep hammering him with it. He has tried to come up with a reasonable payment plan, only to have her constantly tell him it's not enough and he's not working with them. He's had more success with the supervisor. So, they finally came to a verbal agreement and were supposed to send it to him in writing to look over and sign. It was supposed to take 10-14 business days to arrive. It was almost a month before it arrived and included terms that had not been discussed and some that contradicted what had been agreed upon. His handler continues to threaten him with having his driver's license suspended unless he signs this contract. He doesn't want to sign it because it is not mutually acceptable. This is not to say he is trying to avoid his responsibility. Quite the contrary. He made the required down payment and is working on making the required monthly payments in spite of not having this agreement set in place. He has been acting out of good faith while they have done everything but.
Wilber and Associates uses the loopholes in the law to their advantage as well as intimidation tactics to accomplish their goals. They prey upon people's fears, lack of education, and ignorance of their rights. They know in many cases these individuals do not have the financial wherewithal to obtain legal counsel they could so desperately use. They get away with these threats because they can legally make them, but it does not mean these threats are proper.
It shouldn't matter that a person has made a mistake. Everyone does, but that does not mean that they should be treated with disrespect and contempt. These companies would probably find that most people are willing and want to do the right thing if they were treated better. I've read several reviews concerning Wilber and Associates both here and on the Better Business Bureau and I am convinced that while they operate within the law, they do so unethically. People should not be compelled to forgo their rights in order to avoid unnecessary consequences.