This is an actual debt collector for the university of illinois pet clinic. I had work done on my elderly dogs teeth and had several pulled and I am disabled and was un able to pay the bill so now it is turned over to collection in New York. I am sending small payments every month. They are very easy to deal with as long as you are not againsed talking to them at all. I hope that this helps someone. These people are nothing but nice so far. I will update at a later date if we have issues.