My son borowed money years ago and they were paid back all but $1.35 because the payment was automatically removed from his account before his pay check was credited to his account.  Then almost a year and  half later....THESE PEOPLE started calling  his cell phone and my home phone and cell phone at all hours of the day and night and bullied us into making $100 payments a month after threatening to have him arrested, etc..  I talked to the fraud investigator at our bank and he told us this company is not legit, and to stop payment on all future payments.....for the $1.35 he owed...we had paid them several hundred dollars and they are still calling and threatening the police and future lawsuits, etc.  we are obtaining legal papers from his bank (ADVICE FROM OUR LAWYER) to prove that the company that the original loan came from did NOT call them to collect the $1.35.