Someone at this company has been calling my friend.  I called them number back today.  415-200-0256.  Someone named Andy answered the phone.  He finally gave me the name of the "Law Firm" he supposedly worked for:  Financial Accountability Association.  He stated they were in California, but would not give me the city name - only Los Angeles County.  I advised him that if this company was legitimate, he would give me the city name with no problem.  Imagine, he accused me of harassing him!!!!  I checked the Better Business Bureau's site, and this company, and phone number, do not exist.  This is a scam.