This company has been doing this for years. Until one of you take action to stop them, they will continue to scam the system. They buy old, old debt for less than .01 cents on the dollar, add countless amounts of interest to inflate the balance, and then send the accounts out to collection agencies to collect on their behalf in an attempt to shelter themselves from the legal ramifications. The CEO has made millions on people like you who are intimidated by the unenforcable threats of lawsuits. They have a lawyer, Seiler & Associates who shares office space with them at their same address, 7900 Hwy 7, St. Louis PK, MN. Someone who has been contacted by them needs to hire an attorney to file a class action lawsuit and contact the Federal Trade Commission and the Minnesota Attorney General, Lori Swanson, and the Minnesota Dept. of Commerce to stop this from continuing !