This is a collection agency going by the name of Account Discovery Systems claiming to collect for National PDL. I asked Ms. Freeman, lady whom I spoke with, for a physical address of their business and she gave me 495 Commerce, Suite 2, Elmhurst, NY  14228.  So I inquired about why are they using a Connecticut area code if they are located and operating out of the office in NY?  She said they do it that way because it's convenient for the customers, in respective state where loan was originated, to call back without having to pay phone charges.  Really!!!???? They are full of mushiness!!