This company hung up on me twice when I asked them for their physical address so must be a scam. They accused me of not paying off a payday loan I have paid off already. They didn't want to hear what I had to say and just continued to hang up on me. They finally gave me their fax number so I could send them paid in full paperwork and I couldn't even get a fax to go through. Report them to the FTC, BBB, and your Attorney General. I get weekly calls from companies like this for some reason, and they are never legit and go to ridiculous means to try and get money out of you and their methods are always illegal so they need to be turned in and dealt with.