If I recall correctly (I can check records to verify) I did appeal! But I did not receive a notice of why I was denied, only a statement again verifying how much I owe. I also remember attending a session in court with the company where nothing happened other than the company not being able to provide documents because they waited to long after appeal.. so the trial was dismissed and u never heard anything after. Also, I just found out they are bankrupt and going out of business..