I spoke with a woman named Stephanie Kay, very polite and courteous, helped me take care of a contract dispute I had with my landlord. I settled out of court for a reasonable amount I thought was fair. Chances are if you are getting a call from a Law Group (that is what it said on my caller ID), you may just want to answer the phone and deal with the issues rather then dismiss it, ruin your credit, rely on others and let them call your parents and neighbors and work and pretty much let every one know you are wanted by an attorney for something. Odds are they know or think you are a deadbeat that doesn't pay your bills.