This company is fraudulent. Do not pay them. Go to the police. I am working with the police now on trying to shut these people down. The phone number they call you from is a CA based cell phone and they are operating in TX. The guys name is David Fletcher and he ofter forgets his own name and calls himself Ryan Fletcher. It is always the same and only guy that calls with a very heavy accent. I have called them at all times of the day and night with the same guy ALWAYS answering the phone. If you ask them to send you paperwork on your alleged debt, they say they don't have it and to go back to the time when you originally got the loan and look for the paperwork. As my police department has told me, "Everyone has the right to be given proof that they owe money." This company threatens you and states that you will be arrested and have a affidavit filed against you if you don't pay them the same day. This is a bunch of crap. They must prove the debt and allow you a reasonable amount of time to pay it back. They can also come to the city in which you live and take you to court if it is legitimate. Beware of these people and seriously go to the police so we can shut them down!