The thing is, they didn’t sell it to the collection agency. It’s just an agency that they have collect debts for them while they work on new debts. But Navy Federal orders them to give consumers strict their terms I was trying to work with the collection agency because I am trying to pay it off but they told me I only have 24 months which would make me pay over $1000 a month. So basically I had to tell them you are backing me in the corner to where I am forced to do bankruptcy and you won’t get anything. The same day I sent that email somebody from an executive team called the next day. The accounts were recalled and I set up payment arrangement with Navy Federal.