You may have gotten off easy...I had a loan with MTE Financial...had trouble paying and then was contacted by another company on their behalf. It was a collections dept. I eventually paid the collections dept. and now, after two years, yet another company, who is representing MTE Financial is saying that the debt was never paid and is now threatening to issue a warrant for my arrest. Both collections depts have each others phone #'s but neither cares to settle the debt. One says it's paid, the other says it's not! Now it seems I may have to contact an attorney!