I have also just learned that I am going to be served papers for a supposedly payday loan for amount of $1400.00 dollars. I do not believe I owe this and they are giving me today's to basically come up with the money. Unlike the other post I read where they did not have a current address I have had the same address since 2004 and the same phone number forever. This company westwood is now calling everyone looking for me but only called me two days ago to inform me about this debt. I asked for documentation and I was told I could not get the documentation and could not dispute this debt. I asked them why they wanted until two days ago to call me if this debt was from 2007. They stated I got something from the orignal company Midland Financial but I have not received anything. I told them I wanted to check them out to make sure they were a legit company but the address I was given comes up with a game website. I also have been unemployed since 2010, but have been at the same address and phone long term and never have been served anything or any communication from either company. What rights do I have?