I have been paying an old hospital bill via Armstrong for a long while now. I have had nothing but good experiences with this agency. I decided to write a review after seeing all the negative reviews posted on Google. One thing to note is that many people do not have anything to say unless they have a 'negative experience'. Its also worth noting that I pay my bill. Sometimes, I may be a few days, weeks, or even a month late, but the team is always willing to work with me because of my past payment history (I assume). I too work in a field where people are less than likely to pay their debts so I understand. I have also been on the other end as the debtor. Know this, when you accept credit, later billing, or skip out on any form of repayment, you subject yourself to all collection efforts within the parameters the law permits. At some point, you gave your word to a entity saying you would pay or repay within some established payment plan. You did not do that. Now that agency has to pay the collection agency in order to get you to remit payment. Be advised that if you did not owe a collection then you would not be receiving calls and letters from anyone except more creditors looking to give you more money because you are a person of your word...Do not look to make excuses...look to pay off your debts and learn from whatever mistake was made to put you in this spot in the first place. Long story short, pay your debts my people.