I can say that Portfolio Recovery Associates Inc. was a good company to deal with. At the time of their initial phone calls, they were professional and offered a suitable debt solution agreement to me for a bad debt that I did owe. And for 12 Months I paid in full the agreed upon amount and PAID OFF the account. I even received my official Release letter from them.\r\nBut then SOMETHING benign has changed their ability to handle one last final detail with them. I have yet to receive my 1099-C tax paperwork from them. I had checked several times before and was told that it was mailed. But then on February 15 and again on February 18, 2012 I was informed that I was not getting one, even though I met all my obligations with them back in October 2011 by having paid off my account. I had reported this Canceled Debt amount already on my taxes, only due to the fact that I was told numerous times that it was on the way. So, now I have to jump through all sorts of hoops with their Disputes Department just to get one piece of paper for my taxes.\r\nShould they remedy this without some major hassle, I will be thankful.