Called to state they represented Advance America on a debt we owed. Referred to my wife to handle, as she handles all household bills/debts. Spoke with Ms. Butler. Pay agreement set for $575.00 settlement offer of $775. All was paid over a course of 6 weeks, We are working on our credit and didn't want it going to the bureau.  On the final payment things went badly, as she tried to change the price of payoff (final payment). We argued. She hung up on me. I called her back and asked for her supervisor. She said that "I am the supervisor". I asked for her manager and she hung up on me again, I calmed down then called my bank. I was able to get back the last $221.00 she'd withdrawn from my bank card. We then cancelled the bank card. Hubby phoned them thereafter and threatened them with an attorney. They were very kind and cautious and stopped demanding the final payoff, but agreed to end the debt. Later, could not get a confirmation of payoff of debt. Several empty promises made...i.e. in the mail,,,,sending to email...but nothing. Talking to a lawyer.