It's 1000-easypayday-loan.com They turned me over to ACA Recovery, Inc. I just got a debt validation letter saying Xtra Cash is the creditor and I owe $605. The loan was for $300 and I paid a $30 finance charge before defaulting. It's been less than a month since I defaulted, so where they came up with $605 is beyond me. I advised 1000-easypayday-loan that I was working with a Hess Kennedy, and they've just ignored all my communications. I had some jerk named Mark Franklin, who evidently is in the recoveries dept. for Xtra Cash, emailing me a notice of pending legal action. He called me at work in response to my email, didn't speak with me, and then obviously sent my account to collections.