I got call saying that owe on a payday loan I took in 2011 for $450. saying that there is a company called insight capital that bought out the debt from northwestern associates.  there are saying there is a case against me at the clerk office for $618 but I can chose to pay a fee now to avoid going to court etc.  I don't remember taking any loans in 2011 and I never got a letter form whatever that company is from claiming they sent me multiple letters to my old address (how convenient). they cant tell me from what company the loan was from originally claiming they don't know etc.