about 2 years ago, good old Jeff Anderson scared me into believing I owed money for some payday loan I couldn't finish paying off ( laid off then never heard back for over a year ). so yes I freaked out when I got the first email. but he speaks very broken English, can't spell if you pay attention to the emails. they can't provide proof, and worse - you have to submit payments on a green dot card. they aren't real, just a scam company scaring people into paying money. I laugh at their emails if I get them anymore, miss spellings and all.