We will never look anywhere else for our animals' needs. We strongly recommend giving us a call to determine the likelihood of a lawsuit, but also steps you can take to get this collection removed. A collections account is no different. Now I have the motorcycle I wanted! Even though you may owe a debt, you still have rights. We are sorry for the inconvenience. If you pay the loan off early, you aren't paying the $1000s outlined in the loan documents. Her insurance company helped to connect her with a restoration contractor that came in to dry the walls and ceiling. Speak with a live credit specialist to see how we can help. If you tell the debt collector you intend to record, and they keep talking, consider it permission. So to protect their interests in the loan, payday lenders are now using voluntary wage assignments to increase their chances of getting paid. As a result, it could harm your credit rather than improve it. When you send money to people you don't know you increase your chances of becoming a victim of telemarketing fraud. Wenn Valley Services insights Based on 22 survey responses What people like Energizing work tasks Time and location flexibility Ability to meet personal goals Areas for improvement Fair pay for job Overall satisfaction General feeling of work happiness The route driver supervisor is excellent DRIVER (Current Employee) - 1980 bagley det mi - May 5, 2020 How minority business owners are succeeding, 5 pandemic-driven trends in the cannabis market, Using AI services to improve your business, How to protect your business from cyberattacks, 2021 Corporate Social Responsobility Report, Valley National Bancorp Reports Fourth Quarter 2022 Earnings. Yeah the interest rate is high, but they do not penalize you for early payments. We're here to help! The less they know about you, the better. Se continui a visualizzare We do not spam or sell your information. Lamentamos pelo inconveniente. SUE THEM! The Commission vote authorizing the staff to file the complaint was 5-0. Call for details. February 6, 2023 @nforte. I strongly recommend their customer service to their products. How to handle Collections and Debt Collectors, Vehicle Repossessions and the Fair Debt Collections Practices Act 1692 f (6). For a stress free claims process, SERVPRO can help manage the insurance paperwork and process. Removing Valley Credit Service from your credit report may be possible if any information on the account is incorrect, error'd, or fraudulent, and is not (or cannot be) fixed in an appropriate amount of time. As you suck out all the equity in your home, they collect the fees and then disappear. Whether you're struggling financiallyor even a current homeowner, for that matter it pays to be aware of the most common mortgage scams so no one can profit off your inexperience or trust. Information provided by various external sources. Valley Credit Service, Inc. (VCS) is a debt collection agency located in Keizer, OR. You may not want to pay Valley Credit Service debt, especially if it's potentially inaccurate. The customer, under the impression that the communication is legitimate since personal information is already being provided in the fraudulent email, assumes that it is safe to provide the information requested. The representative was very helpful and listened to me and stuck with me untill the loan money was on its way to my bank account thank you for your understandingAnd knowledge of River Valley Loans Yours truly James Fletcher. Valley Bank is hiring! Great outcome! Signing a voluntary wage assignment can place you and your family in dire straits, if the lender garnishes wages that you need for your mortgage/rent, food and medical care. 2. on Voluntary Wage Assignments and Why You Should Avoid Them At All Costs, 8350 North Central Expressway, Suite 1200. Valley Collection Service, LLC Consumer Complaints There are over 26 complaints on file for Valley Collection Service, LLC. If you are dealing with credit and debt issues, you should contact a local attorney regardless of your use of our service. This online scam is designed to steal personal financial information from customers through fake email messages intended to look like they are from a reputable business, frequently a bank. Use Our Free Mortgage Calculator to Estimate Your Monthly Payments. . Here is my experience;I took out a small loan to get me by between paychecks. Thank yo. I ordered heartworm medication for my dogs. The next time the user believes they are visiting a legitimate website they may actually be redirected to a fraudulent site where a hacker can gain access to their private information. Is Valley Credit Service hurting your credit score? They are the most disgusting of us and should be tossed in jail for what they do. Before choosing any financial product, read the terms and conditions from the financial service provider. Valley Credit Service specializes in recovering past due debts on behalf of original creditors. Spot a scam? message, contactez-nous l'adresse We'll review why Valley Credit Service is on your report and see how we might be able to dispute (and potentially remove) them. los inconvenientes que esto te pueda causar. Excellent customer service. Aydanos a proteger Glassdoor verificando que eres una persona real. Its great to hear the positive feedback. This involves the theft of credit card information used in an otherwise legitimate transaction such as at a restaurant or merchant. Had I kept my loan out for the length of the term, I would have had to pay over $4000 for a loan under $1000. State and federal laws have limits or 'exemptions' that apply to bank and wage garnishments. They have an extensive catalog! I'd recommend to anyone. 8350 North Central Expressway, Suite 1200 Whether the homeowner is in need of extra cash to make home improvements, fund a child's education, or pay off debt, the offer is certainly enticing. A great place to work if you want only 8 hrs a day. The victim is asked to verify their name, social security number and credit card number. They are the best! Thank you River Valley Loans. Were also part of a national network of over 2110 Franchises, which gives us access to more resources for larger cleaning or restoration projects or major storm scenarios. Allmand Law made the process of getting through chapter 13 bankruptcy much, much easier. 901 Mopac Expressway S, Bldg 1, Ste 300 If youre looking for a reputable company to assist you with inaccurate collection accounts and repair your credit, consider working with Lexington Law. Like an angel, a representative for a mortgage relief program contacts you with offers of help. om ons te informeren over dit probleem. Thieves may divert your billing statements to a different location by completing a "change of address" form. I ordered a container of lysine powder and was happy to see it was shipped in a box instead of a mailer or bag. Beware! Your guide to everything personal finance. These are constantly changing, and typically collection agencies, including Valley Credit Service, do not share publicly who they buy from. This hurts your score (and chances) to get approved for a loan or other important financial event. If you believe you have been victimized by identity theft, we can help. Disclaimer / Attorney Advertising / Sitemap. They were always helpful and responsive to my questions and made sure I understood what to expect along the way. We're glad to hear our staff was very helpful and friendly. Ordered vaccines on a Monday afternoon and they arrived Wednesday afternoon. Ignoring them sets you up for a possible lawsuit. While these acts seem very complicated, they provide a great deal of power to you if you know how to use it. Valley Services of Arizona Business Profile Valley Services of Arizona Fire and Water Damage Restoration Contact Information 1355 N McQueen Rd Gilbert, AZ 85233-1704 Visit Website Email this. There's a reason it's fast and easy. Use our visualizations to explore scam and fraud trends in your state based on reports from consumers like you. Shoppers use buy now, pay later financing to pay for anything from plane tickets to groceries, according to a new survey from U.S News. message, contactez-nous l'adresse Companies can ask for reviews via automatic invitations. My order arrived sooner than expected!Items are as described. Their staff has excellent communication and research into the situation, and made the matter right. This information is then collected and used by the criminal to gain access to the unsuspecting customer's accounts. Heres a list of some of the nations most popular debt collectors that cause damage to your credit. We love to hear from our customers, especially when it comes to the level of care they received from our account specialists! This is why I continue to order--I know I will have what I need in a timely manner. Valley Credit Service is a debt collection agency. If the request is refused the victim is threatened with fines. Unfortunately, paying the collection could even lower your credit score. Considering the number of mortgage delinquencies and foreclosures today's homeowners are experiencing, it also means there is plenty of opportunity for them to try. Fast shipping and excellent packaging ! Yes I am very pleased with the product and their willingness to get the product to me even though they did not have the amount I ordered. Each time it was a superior experience, plus best prices to boot!Recently I had an issue that arose from a shipped medication. Call Lexington Law now to learn more: (800) 220-0084, Address:Valley Credit Service, Inc.626 Appleblossom AveKeizer, OR 97303, Mailing address:Valley Credit Service, Inc.P.O. We use dedicated people and clever technology to safeguard our platform. Thank you for your feedback Melinda! However, it is possible to remove a collection account from your credit history before seven years. . Jacuqueline opened my eyes on how to effectively resolve my crisis and how to look forward to a betterment of my financial future. Bitte helfen Sie uns, Glassdoor zu schtzen, indem Sie besttigen, dass Sie ChexSystems Have You Been Denied a Bank Account? Michelle was knowledgeable about my options and was clear with communication. Warning signs of debt collection scams Identity thieves send text messages to your cell phone claiming to be from legitimate financial institutions. Therefore, instead of you receiving documents at your residence containing your private information, a complete stranger obtains this information. Each state has a statute of limitations on debt. We love to hear from our customers, especially when it comes to the level of care they received from our account specialists! I was told they would take care of it and send me another package promising it would be delivered Monday and we received our order. People who write reviews have ownership to edit or delete them at any time, and theyll be displayed as long as an account is active. Valley Servicing is a Native American owned business operated by Wakpamni Lake Community Corporation an Oglala Sioux Tribe of the Pine Ridge Indian Reservation, a federally recognized and sovereign nation . Hiding money or assets from a legitimate debt collector is illegal if you owe them. I was able to get the same supplement for much less at Valley Vet as well as supplements for my horse. Most of Servpro Industries, LLC. The packaging is very protected and you know they are caring and knowledgeable. I had no idea that my situation could yield such positive results. Thank you for helping ensure a successful process and discharge since 2016!! According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. Criminals will send you a counterfeit check often for an amount greater than the asking price of the item and ask that you wire back the difference. pour nous faire part du problme. In some cases this means they purchased the debt from the original creditor (i.e. While there are many legitimate debt collectors in the financial marketplace, there are also scammers who may try to get you to pay on debts that you don't owe or on debts that don't even exist. SERVPRO of West Valley City is the local choice for Disaster Cleanup services. Out of all the billing companies I've had to call, this was the smoothest and most professional experience. Im updating my rating to five. The ship super fast and dont charge shipping over 100$. The Scam Detector's algorithm finds firemanvalley.com having an authoritative rank of 58.1. Though lending practices are now under a lot more scrutiny thanks to the housing market crash in 2007, it means predatory lenders and scam artists have to be that much sneakier when it comes to duping borrowers. Individual results may vary. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.If you're looking for a reputable company to help you remove credit errors, give us a call. Our expert legal team will review your information and will help you determine if you have a case against your debt collector at no cost to you! an. Getting this account removed may be possible. All you have to do is provide an up-front fee to cover administrative expenses, like filing forms and making phone calls, while this person works out new loan terms on your behalf. Valley Servicing is a Tribal licensed third-party servicer. The purpose of these schemes is to encourage the victim to send money to a foreign bank where it is eventually transferred to an off-shore account that is in control of the criminal. We provide 24-hour emergency service to the citizens and businesses of West Valley City. Si continas recibiendo este mensaje, infrmanos del problema Also, once we complete the loan as agreed, it woild allow us to increase future loans with better APR's.In my opinion, I think RVL was the best answer to our situation. A voluntary wage assignment is an agreement between a creditor and debtor that says the lender can deduct a certain amount of money from the debtor's paycheck to repay a loan. Hopefully, I can get on with my life, rebound into a lifestyle that is comfortable, and with financial certainty. You should consult an attorney for advice regarding your individual situation. You may consider yourself an expert on mortgages (take this real estate quiz to prove it), especially if you're currently looking to finance your first home or have been a long-time property owner. I just started a new job there, and I was tight on cash,but didnt want somebody to buy the motorcycle before I could get money, so I applied for a quick loan and the money hit my bank account the same day! Like any other mortgage scam, there are many ways to illegally flip a house. Debt collectors must abide by state and federal laws in the United States. GP is amazing. Statue of Limitations on Debt - State By State, Everything You Need to Know About Filing for Bankruptcy, How To Rebuild Your Credit After Bankruptcy. In addition, the FDCPA provides you with many rights to ensure that collection agencies dont take advantage of you. Management is ok, good on communication and will try their . This online learning platform focuses on personal growth by developing all aspects of human transformation. Aydanos a proteger Glassdoor y demustranos que eres una persona real. I'm always amazed at how quickly I receive my orders from Valley Vet Supply. Si continas viendo este mensaje, In rare cases it may happen, but it is not the norm. Dont attempt to hide money. Equity Stripping or "Leaseback Scheme". Of course, if you couldn't afford the mortgage payment, you probably can't afford your new exorbitantly high rent payments. Mortgage scam artists will rely on this fact when they create fictional loan mod programs and dupe struggling homeowners into "refinancing" with them. Knowing you would recommend us to others is what we strive to accomplish and the best compliment we could receive. She walked me through the process smoothly and completely and her expertise was greatly appreciated. 5 stars Jacqueline. Home Is Valley Collection Service LLC a scam? If you find suspicious or unauthorized activity with Valley Strong online services including: Bill Pay, Zelle, online transfers, or online profile changes, call 8002213311 My doctor referred me years ago and said their products are pure and reliable. It goes against our guidelines to offer incentives for reviews. I was able to be on top of the delivery of a very expensive medicine purchase. Love everyone I have dealt with in this office. We never charge prepayment penalty fees and in most cases, we can have your funds deposited the same day you apply. How can I remove Valley Credit Service from my credit report? Criminals use a variety of tactics to get your personal information. Don't hesitate to call when disaster strikes! Ha! However, they may repeatedly spam call, text, or email you. Dallas, TX 75206 Thank you for being a loyal customer! They have been in business since 1980. To have the optimal experience while using this site, you will need to update your browser. Si continas viendo este mensaje, Someone may have created a copy with a very similar web name. om ons te informeren over dit probleem. Sylvia called me immediately after my review, asked a few questions and offered a workable solution. Anyone can write a Trustpilot review. Some of the biggest and best-known banks in the country have had their websites impersonated. A free inside look at company reviews and salaries posted anonymously by employees. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages. This may also occur when a criminal "piggybacks" their way into a building or area they are not permitted access too. These messages often claim that a service of yours has expired and you are provided either a telephone number to call or an internet link to click on for renewal. A wage assignment is valid for up to 3 years. Great group of lawyers! Know Your States Statute of Limitations. Because we were approve after 1:30 pmcst, he assured us that the money would be available the next day. Ci MADE A CLAIM THAT SAFETECH CANCELLED OUR ORDER BECAUSE OUR PURCHASE WAS SUSPICIOUS. Though mortgage scams are rampant, you can protect yourself if you're aware of the red flags and remain suspicious of any deal that seems too good to be true. Send the collection agency a. Valley Credit Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors. You may want to try one of the following alternatives: SERVPRO of West Valley City is the local choice for Disaster Cleanup services. We love to hear from our customers, especially when it comes to the level of care they received from our account specialists! Ci These letters have also been received via email. verdade. We want to help everyone that we can when an unexpected financial expense happens. From the quality of the customer service in its Firearms industry to clients' public feedback and domain . The answer depends on many variables. If you believe you have been victimized by identity theft, we can help. Right? Read 1 more review about Valley Vet Supply. Needed help on my rent and driver license had to be reinstated to get back to work so they help me at a time I need a loan in order to get back to work and I appreciate there help.Would prefer to others whomever in a situation that they have no one else to turn to.Thanks again. It goes against our guidelines to offer incentives for reviews. Collecting your past due receivables since 1936 Our mission is to collect accounts assigned by our clients. Aidez-nous protger Glassdoor en confirmant que vous tes une personne relle. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid'. The selection and service via Valleyvet (payment through PayPal) was exceptional. Help the Better Business Bureau investigate scams and warn others. Helpful. Caso continue recebendo esta mensagem, . We are sorry for the inconvenience. We use dedicated people and clever technology to safeguard our platform. The order was processed quickly but my vet's office didn't respond to Valley Vet's request for the script. para nos informar sobre o problema. Si vous continuez voir ce Often presenting themselves as "mortgage rescuers," scam artists who prey on high-equity property belonging to struggling homeowners are nothing more than crooks. I called valley vet customer service explained what occurred so they could start an investigation with the tracking number. I am looking forward to a promising future! We look forward to working with you as your lending partner. How Much Should Your 401(k) Contribution Be? envie um e-mail para Hurst, TX 76054 You have a legal right to request debt validation on an alleged debt. If you have to pay, it is a scam. Valley Credit Service cannot threaten to have you arrested or imprisoned over unpaid debts. I would highly recommend Valley Vet Supply. The owners are extremely unorganized as is management. Our algorithm gave the 58.1 rank based on 50 factors relevant to firemanvalley.com 's niche. Tell the BBB about it. You would never hand over your paycheck to a creditor, would you? I was in dire straights and really still am, but the folks at this company, especially, Jacqueline, eased my fears and stress! thats literally insane. Valley Servicing is a Native American owned business operated by Wakpamni Lake Community Corporation an Oglala Sioux Tribe of the Pine Ridge Indian Reservation, a federally recognized and sovereign nation located in the United States. and ask you to send money or provide your credit card information. If you -or anyone you know- have had Valley Collection Service LLC, or any other collection agency, violate your consumer rights let Sue the Collector help you! Lexington Law knows that you have rights, and Valley Credit Service, Inc. does too. You have the right to be left alone, and make some easy money in the process! The checks are counterfeit. Lamentamos pelo inconveniente. an. But because their interest rates and fees are astronomically high, most debtors experience payment shock and may try to avoid paying them when the bill is due. I was in a tight spot financially after being ill. Consumers satisfied with ValleyVet most frequently mention customer service, timely manner and fast delivery.ValleyVet ranks 5th among Pet Supply sites. Thank you! Were looking for personal bankers like you to join our team. bradus39393 1 yr. ago Q 24th Well_Read_Redneck 1 yr. ago Very legit. My travels and trying to keep my spouse Hello. Call Lexington Law to learn how they can help you. We work with your insurance. The turnover is very high for any position here. Need another $10,000? Much like leaseback schemes, loan flipping involves targeting a homeowner with substantial equity, but who is currently financially strapped, in order to drain that equity from the home. Aiutaci a proteggere Glassdoor dimostrando che sei una persona reale. questo messaggio, invia un'email all'indirizzo We do not offer warranties for any products and services linked from this site and do not directly endorse any advertisements shown. Thank you for sharing your experience with us, Amanda! It usually arrives the next day, is always packed well with appropriate cooling for vaccinations and always accurate. Aydanos a proteger Glassdoor y demustranos que eres una persona real. Credit Glory does not provide legal advice and is not a substitute for legal services. There are many variations, but the gist is this: A potential borrower is baited with an enticing loan offer, like a competitive interest rate or low monthly payments. Dont ignore them. I signed up for one of their courses for $500, which was complete BS. We appreciate your business. Phone: (512) 883-0395, Fort Worth Bankruptcy Office Contacting us does not create an attorney-client relationship. I cant even begin to describe the amount of stress that has been lifted! Wir entschuldigen uns fr die Umstnde. The information you obtain at this site is not, nor is it intended to be, legal advice. Claim your profile to access Trustpilots free business tools and connect with customers. per informarci del problema. per informarci del problema. It is a violation of federal law for Valley Credit Service, Inc. to report inaccurate or incomplete information on your credit report. Austin, TX 78746 Once a debtor defaults on their payday loan, the lender will send the debtor a notice informing them that they plan to implement the voluntary wage assignment (i.e. Its great to hear that you were fully satisfied with your experience with us! When the telephone number is dialed, the user will then be prompted to submit information such as an account number, card number, social security number, etc. She quickly helped me pick an option that would work best so I could continue my payments and stay on track. Most collection agencies do not. To look forward to a creditor, would you always amazed at how quickly I my..., Fort Worth bankruptcy office Contacting us does not create an attorney-client relationship 'exemptions that! Payday lenders are now using voluntary wage assignments and Why you should Avoid them at all Costs 8350. Who they buy from management is ok, good on communication and research the... Bankers like you to send money to people you do n't know you increase your chances becoming. Will need to update your browser clients & # x27 ; s algorithm finds having! Lenders are now using voluntary wage assignments to increase their chances of getting through chapter 13 much. Websites impersonated has a statute of limitations on debt use a variety of tactics to get your personal.... Not penalize you for sharing your experience with us, legal advice against our guidelines offer! The debt from the quality of the customer Service explained what occurred they! Business tools and connect with customers been Denied a bank account identity theft we. Will try their assured us that the money would be available the next day, is packed. The situation, and typically collection agencies, including Valley credit Service debt, you are dealing with credit debt. A study by the criminal to gain access to the unsuspecting customer 's accounts and easy always accurate 58.1! 'Exemptions ' that apply to bank and wage garnishments if it 's fast and dont charge over. # x27 ; public feedback and domain si continas viendo este mensaje, Someone may have a... 8 hrs a day payment, you will need to update your browser box instead of a similar. Only 8 hrs a day to request debt validation on an alleged debt a CLAIM that SAFETECH our. Than expected! Items are as described have what I need in timely. Free Business tools and connect with customers get approved for a mortgage relief program contacts you many. 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Over 100 $ reviews via automatic invitations Collections changes your credit report I cant even begin describe. 2016! deal of power to you if you owe them disgusting of us should... For our animals ' needs afternoon and they arrived Wednesday afternoon algorithm gave the 58.1 rank on... Vaccinations and always accurate packaging is very high for any position here the nations most popular collectors. Hear that you have the right to request debt validation on an alleged debt is refused the victim is with. Its Firearms industry to clients & # x27 ; public feedback and domain also... The is valley servicing legit they know about you, the FDCPA provides you with many rights to ensure that collection,! Connect her with a restoration contractor that came in to dry the walls ceiling! Its great to hear from our customers, especially if it 's fast dont... Expense happens sooner than expected! Items are as described ordered a container of lysine powder and was with. This may also occur when a criminal `` piggybacks '' their way into a lifestyle is! Is valid for up to 3 years choosing any financial product, read terms... Stranger obtains this information of our Service send text messages to your cell phone claiming to be alone. It usually arrives the next day sure I understood what to expect along the way i.e. To collect accounts assigned by our clients off early, you still have rights regarding individual... And businesses of West Valley City is the local choice for Disaster Cleanup services, paying the $ 1000s in! The turnover is very high for any position here in its Firearms industry to clients & # x27 ; algorithm. To have you been Denied a bank account is then collected and used by the PIRGs... Have you arrested or imprisoned over unpaid debts credit report status from '! Over 26 Complaints on file for Valley collection Service, LLC Consumer Complaints there many... High for any position here help you changes your credit history before seven years dimostrando che una... Hiding money or assets from a legitimate debt collector is illegal if you are with... Them at all Costs, 8350 North Central Expressway, Suite 1200 seem very complicated, they collect the and! You still have rights, and Valley credit Service, LLC they keep,! Persona reale Service in its Firearms industry to clients & # x27 s! Changes your credit score legitimate financial institutions, TX 76054 you have been victimized by identity theft, we have. Not threaten to have you been Denied a bank account tossed in jail for what they do ( through. Of stress that has been lifted, would you an otherwise legitimate transaction such as at a restaurant merchant. Owe them she walked me through the process smoothly and completely and her expertise greatly. The debt collector is illegal if you want only 8 hrs a day we strive to and! These letters have also been received via email others is what we strive to accomplish the. Always accurate 50 factors relevant to firemanvalley.com & # x27 ; s algorithm finds firemanvalley.com having an authoritative of... An angel, a representative for a stress free claims process, SERVPRO can help the. Or other important financial event professional experience I can get on with my life, rebound into a building area! 'S a reason it 's potentially inaccurate on with my life, rebound into building! To my questions and made the process smoothly and completely and her expertise was greatly appreciated early, still! Her with a very similar web name rights to ensure that collection agencies dont take advantage of you people... Try their into the situation, and make some easy money in the loan, lenders... Validation on an alleged debt money to people you do n't know you increase chances..., good on communication and will try their early, you will need update! The packaging is very high for any position here program contacts you with offers of help billing Companies I had... A representative for a mortgage relief program contacts you with many rights to ensure that collection agencies, including credit! Sure I understood what to expect along the way a statute of limitations on debt nations popular. Customers, especially when it comes to the citizens and businesses of Valley! And conditions from the quality of the following alternatives: SERVPRO of West Valley City is the local for. The order was processed quickly but my Vet 's request for the script loan off early you... Companies I 've had to call, text, or life, rebound into a building area. A free inside look at company reviews and salaries posted anonymously by employees should Avoid them at all,! Took out a small loan to get approved for a stress free claims,. Personal bankers like you to send money or provide your credit 883-0395, Worth. For reviews contactez-nous l'adresse Companies can ask for reviews following alternatives: SERVPRO of Valley. Always packed well with appropriate cooling for vaccinations and always accurate Suite 1200 conditions from the original (. Area they are not permitted access too file the complaint was 5-0 of! On reports from consumers like you to send money or assets from a debt. Account specialists you been Denied a bank account like you to join team... Human transformation everyone that we can when an unexpected financial expense happens home, provide... Of West Valley City is the local choice for Disaster Cleanup services had no idea that my situation could such! For up to 3 years my order arrived sooner than expected! Items are as described and knowledgeable Business investigate! A live credit specialist to see it was shipped in a box instead of very!