yes thats correct. They will buy debts from the likes of Ford Motor credit (who were themselves notoriously usurious) and tack on fees and charges of 500 or 600 percent , or more of the original debt. They will threaten to garnish wages and accounts etc..they are in Maryland. If these jackals are pursuing you, be aware that maryland law allows debters to exempt from collection up to 6000 dollars in cash and 5000 dollars in other kinds of property (you should look up what kinds) this includes bank accounts. This should make what these people do EXTREMELY unproffitable. As a law firm they also handle personal bankruptcies, maybe this is their real money..they threaten to sue then scare you in to hiring them for a bankruptcy filing.