Don't get scammed by illegal payday loan lenders, especially if they cannot even speak English.  Check with your state's banking authority and if you find the lender is not registered in your state, the company is likely not legitimate or can not enforce the loan in your state.  Ignore harassing telephone calls and tell them to put it in writing.  If they are not sending you anything by mail OR unwilling to give you their mailing address, don't waste any of your time with the company.  THEY ARE A COPY CAT SCAMMER.  Pass this on, its time we fight back against all those scammers out there.  Thanks!

Remember:  A legitimate debt collector WILL NOT harass, disrespect, or violate your privacy by contacting your employer, friends or family when have you expressed the preferred method by which you want to be contacted.  A legitimate debt collect WILL mail you written confirmation of the amount you owe and detailed  information and steps to take if you wish to dispute the amount. This written confirmation will usually be sent within week of their initial contact to you by phone.  Again, if they do not send you any sort of invoice, they are NOT LEGITIMATE.