i was called by hillary romano at 800-918-3844 ext 413. i spoke with here she is says this is a debt from 2004. it was from a company called bmg marketing. told her i did not know this company. she said it was for a 200.00  payday loan. then she told me she would refer it back to the orginal company and then hung up on me. i called back and asked her to send me a letter of validation thru the mail and she said she had referred me back to the company for them to take action on me. she said she could fax the letter or she could email. i ask why she could not send throught the mail, she said because the company was already going to go after me. so i asked her to email it to me. she said no. that she had changed her mind and i need a lawyer. so then she told me not to call her office again and then hung up on me. but she did take very loud during the whole conversation and would not let me speak the second time.