So let me make sure I understand you correctly... 1. Customer refuses the new terms 2. D* assess the ETF 3. Customer doesn't pay the ETF 4. Customer gets taken to collections and hurts their credit score Is that about right? Again I am not asking this because I want to leave D*. I'm trying to find out the evidence behind the claim earlier in this thread that if a customer refuses the new terms/pricing that D* will let them out of their agreement?