They are Palmer, Reifler and Associates, a glorified debt collector. They threaten 1.2 MILLION lawsuits a year, yet actually bring about 10 to court... Their business model (as a debt collector) is to use their status as technically being a law firm to trick you into think they are in the process of suing you, hoping you will get scared and pay the original debt plus the HUGE fees that have tacked on to it. They get to keep a commission of up to 30%, and there are multiple class-action lawsuits pending against them for extortion and other illegal practices. Don't be afraid of these guys... THEY WON'T DO A THING, all bark and no bite!