I did not even take a loan out and was contacted by this so called FSM Group advising me to pay their company $300 to settle out of court. I contacted the police department and was told that this was a scam....they are also investigating my situation because I have been getting harrassment calls to my job from these people with thicke indian accents who said that their names are Douglas Woods, Frank Anderson, Jermaine Johnson, etc. Before sending your hard eran money to this company, I would investigate first.