If you write a letter, say to NCO financial via PFB, it supposedly goes straight to the CEO of the company. Some folks have claimed to have success with GW requests on PFB, but I myself have not. You can also choose to share your letter with the other members. But a word of caution - The folks on that site are positively brutal and will write truly awful things that don't relate to the letter you are sharing. I posted a GW I wrote to Washington Mutual Home Loans regarding a mortgage my exhusband ran into the ground after we divorced. Most of the replies were "boo-hoo life's not fair" type comments.