i never ever borrowed from this company...EVER.  I truly believe they fish through online applications of other companies i have inquired about in my "desperate" times.  
the 1st thing i'd asked was for names phone numbers and addresses.  the 1st non-speaking english person who sounded of an indian descent couldnt even pronounce my american name.  he had me on hold for 3 mins as i'd patiently awaited another indian speaking man named Mr. Dejesus... how ironic?  but i asked for the info... he repeated my SS# which sounded correct but i never confirmed.  i'd asked what company was the law office representing, and he stated quick pay day loan.  as i've stated...never heard of these people.  when i asked what was the date the funds were loaned, he immediately started yelling.  i then hung up.  i can be professional, but if you are willing to work with me, be courteous and professional, no matter if a customer is yelling and or cursing, which i was neither.  
i have learned being in dire straits, that as a consumer, you still have rights.  do your homework.  if a company is going to bring you through and to litigation and they have all of the information...where is the legal documents that should be sent in the mail?  i figure if i am on the east coast, and this company is on the west coast, as theyve claimed... (eventhough the law ofc is out of Georgia) i would like to stand by and see this trick.  so go on mr Dejesus... sue me...i have every statement for my acocunts... you have to prove how much and when you've loaned me this imaginary money...all i can do is laugh and hang up...come to your senses people and realize this is one big joke.  they gave me a fake address also... 17100 gillette ave of los angeles ca 92614 for a quick pay day loan represented by william scott and associates.  if they keep calling me, i will send a few notices to the consumer affairs and contact bbb.