I received several calls from this phone number.  They said that they were out of Texas, and represented some kind of legal department, and were a collection agency.  They said that in January, 2011, I obtained an on-line payday loan from their client.  When their client tried to collect from my account, there was an insufficient balance.  Actually, something like this did happen last year.  I took out a couple of payday loans, but they were paid back out of my account.  A company with a strange area code and a strange area code for their fax number (also the caller sounded like he was African or Arab) called and said that the funds were not received.  They told me to fax an agreement to pay these funds by a certain date, and these funds were taken out of my account.  I noticed on my bank statement that double deductions were made.  I called the payday loan place, told them what happened, and they said that this was a scam.  I also went to my bank, and they told me the same thing.  The funds were credited by my bank.  Therefore, I believe that this is just another scam to try to obtain money from me.