This is NOT a legit company.  I got a call from a Mr. Jenkins last week.  He told me he worked for an arbitration company and my file was on his desk.  I was warned that if I didn't work something out soon, then I would be getting served a summons at my place of employment.  When I asked for proof of the debt, I was told that they didn't have to provide any.  He gave me the number of the company I supposedly took out a loan with and said I could try to work something out with them, but that I probably wouldn't get anywhere because they have already charged it off.  The next day, I received a call from a woman saying she was a process server, and was on her way to serve me a court summons unless I could call 972-532-0087 and work something out.  First of all, your are NEVER warned when you are being served papers, they just show up.  Second, it is illegal to impersonate a court officer.  Just hang up on them and don't answer their calls.  What they are doing is borderline extortion.

I just received a call yesterday and didn't answer the phone but  i checked my messages. There was this guy who said his name was Mr. McKay and that i needed to contact him with my attorney. He claimed it involved check fraud. What? I haven't written or even had a checkbook since probably 2000. It really made me nervous but i am thankful i am able to read posts like this. I cannot believe people in the world would really do this to hard working people.

} borderline extortion

Glad that someone else sees it the same way. Amazing how this breed of goon always has "papers on the desk" yet cannot produce proof of claim, hence the ridiculous threats.

Never let bullies on the phone confuse extortion with debt collection. Honest debt collectors do not typically send their claims straight to a judge, and they don't take your ransom money to broker quick deals with so-called "process servers". There are no secretive "arbitrators", "investigators", "mediators", or "prelitigation specialists", only sweaty criminals with a script full of coercive remarks. Lawful debt collection is a process, not an ambush, and you are due a chance at each stage to raise a dispute. The agents' horrid threats are empty and their conduct is illegal. Do not reward lawbreakers with your money. Challenge them always, sue them if you can.

FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

See also this FTC alert: "Fake Debt Collectors"
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

I received a letter after I paid. Not sure what the deal was....I tool put a payday loan (biggest single mistake of my life) and I paid my loan off called my original loan company they told me it was paid.  I was disrespected HOWEVER they did call my parents work and even a neighbor.  BUT I did list them as references on my app.  Now my question is that legal for them to call work and a neighbor?