The company called me stating I had a loan ....which I did ....they actually let me pay just the money I owed without the crazy interest rates the original company was trying to charge...afterwards they sent me documents showing I was paid ...I use payday loans all the time and they reported I was paid to Teletreck, DP Bureau, and Data X which payday loan companies use to track your history when applying for loans but if I hadn't settled they could have pursued me in court, i have had a judgement for a quick cash loan....technically you're stealing money thru your bank account if you don't pay, I learned my lesson and only use when in desperate need but all in all I was happy to settle for only what I originally owed