I took out a payday loan 3yrs ago and due to hard times I couldn't pay it back, 2wks ago I received a call from an Investigator Matt Lawson he explained the situation to me and the legal consequences/ramifications and he assisted me in taking care of the matter financially. I was mail over paper work to substantiate their claims I did owe the money , my bank account had closed and I own up to my mistake ! If you owe money from a payday loan my advice is to pay it..