I got a call from these people saying i owe for an online loan i never got ... over the years its changed companies and they alway threaten to sue for 5000 well now its 7000 thinking that it will get me to pay. I've been in the collection industry for over 10yrs ... i know my rights ... i have never once gotten anything to go to court. When you invite them to bring this to court or you show you have some intelligence they hang up on you. This is definitely a scam so don't fall for it people