Okay, well in my case, because i knew that the debt was real.. and I did apply for the loan and got money... and I did admit to not paying it, maybe thats why they were helpful...I screwed up and didnt pay the loan as I agreed to...
if the scenario is that someone never took the loan out, then for sure...FOR SURE they shouldnt deal with these people and report them. But I know that I owed this money and I was willing to take care of it.