This is JCC or J.C. Christensen and Associates. If you have ever dealt with them you will know that they are quite rude and UNETHICAL! They thought I should starve my children and leave the mortgage go unpaid so I could pay a medical bill. Shame on you people. Do you honestly think if I had the money that the bill would not be paid? I lost my job before Christmas and cannot afford to pay all my bills at once!