They have called several times now and each time they tell me a packet has bene sent to my work and/or home.  They say to call them back so we can discuss page 25 of the packet, lol.  I have never gotten any "packet" and I will not be calling back.  I did call the attorney generals office though.  Because they are trying to collect on a payday loan which is illegal in the state of Arkansas.  I do hope the packet comes in the mail.  If it does the attorney general said we could sue them so I really do need something in writing, lol.  Educated yourself before you pay these scum bags.