The guy at 1,2,3 Bill is a really nice guy and I have heard good things about them... Well I mean I guess there is only some many nice things you can say about a PAY LATER BILLING SERVICE..But from what I understand they dont screw anyone over and for a pay later service they are one of the best ones.. I dunno I could be wrong but I have met the owner several times and he seems like a really cool guy... He was hanging out with me and lindsay in florida