An interesting note is that the U.S. collection agency, with whom I SETTLED in 2005 by paying some ridiculous amount, never sent me a letter showing this. I had put a stop payment against Dishnet and it was the same amount as my payday loan and it crossed and voila the payday company wanted nothing to do with me. That I can understand and I settled w/collection agency. Cost me about $800 to borrow $200. Interestingly enough when I call original collection agency, person answering phone says "account is closed" but her manager handles the account. So I leave messages but no one returns call. These crooks will SELL these debts I think, and even though they act as if you are settling them (Western Union, etc.) they don't close it. Mind you I settled for like $380 on a $200 loan. I pay off my debts.
So THEY ARE CROOKS. It makes me cringe the whole thing.

This is why people need to get a "paid in full" receipt, otherwise ten years go by and another collection agency will try to collect again for the same debt, even though you paid more than 3 times the original debt in the first place.

Problem is, this isn't a legitimate debt collection company; it's a scam. So  even if one had a receipt from them, it wouldn't mean anything.  It would mean about as much as a mugger giving his victim a receipt.

I received a call today wanting me to also verify my SS#.  I asked him to give me his name and Phone # and that I would have my attorney give him a call back.  He refused to give me any information and threatened me with being arrested and said that my attorney would be dealing with me at 4PM tomorrow.  He told me I was being rude and he was the one asking the questions and that I need to answer him.  He called himself officer something.  I could not understand him.

I have gotten calls twice from 2 numbers with a area code same as my phone number.When I call it back its either busy or disconnected.I think maybe they figured since i wasn't answering from the other numbers they would try to trick me.Has anyone else received calls from same area code as theirs?