They will call claiming that you took out a payday loan. They call their company Mediation Services. They called me and claimed I took out a payday loan in March of 2011. I knew this was a lie as I've never taken any loan it ever in my life. Never needed to. Lady said I owed $858 but that I could pay 250 now to keep my "case" from going to the courthouse and having to speak before a judge. Scammers. I hope they see federal prison real soon for as long as possible out here scamming people for their hard earned money. Get a real job. Be a honest person