Just a follow up on Allen and his fake firm. I did not receive anymore phone calls from this strange man or his so called officers, after I told him not to call my number again or I would call the police. However, please note that it's not that these crooks are afraid of the law, because they know that they can not be caught. You have to be the one to beat them in this filthy game of theirs. These people do not want to waste their precious time fooling around with wise people. They will just move on to the next victim. If you show them the least amount of vulnerability, then they believe that they have you and will try to interrogate and harrass you until they can get you to empty out your bank account. It's a very dirty game to win your money, rather if you really owe anything or not. I believe that their operations are too illegal for them to even think about takng you to court. I also believe that if the orinal source of who I actually owe money to that can't come clean and out in the open, was an illegal operation (PayDay Loan) in the first place. Either that, or it's pure identity theft; hackers stealing or buying information from an internal source. For one example: An online PayDay loan application;etc. But that's not it. I think our name and information is in some kind of hackers database, where not just one, but many illegal or foreign hackers have access to this information by purchasing it from a third party( the original hacker) and they make good money by contacting their leads (victims) trying to accuse them for a debt they do not or no longer owe, in hoping to make some big profits. And where does the money go? In their pockets, not to the so called debtors. I have basically cracked down these hackers systems. The wiser you get, the more they will leave you alone, trust me.