IRG and Associates

Back on 11/25 my MIL called me and said that she recieved a phone call from a lady at IRG Assoc. and gave her a case number/reference number concerning a legal matter. I called the company at the number they left which was 202-556-2821 and spoke with the person who called. She said that I had an old payday loan from Advance America and they are demanding $690.15, unless they get the settlement amount of $400 they will go ahead and send the case to the clerk of court and charge me with a worthless check and malicious intent to defraud. I asked her what her company's name and address was and she would only give me the name IRG Assoc and they were located in Washington DC. She worked in the Investigative Department. She said that unless this was taken care of she would have to subpeona me and my references including my MIL. I tried to ask her when this took place and she said in 2004 but would/could not give me a exact date. I told her I understood her but that I needed something written saying I owed the debt before I could pay anything. She said that there would not be enough time to get me anything written or emailed over to me before she had to let the case go. By the end of the phone call, she said that she would put everything on hold until she could get me something written in the mail but she could not send me a copy of the original contract. She also said that they had tried to mail me letters on 3 different occasions but it came back as Address unknown b/c it was my old address.

It is now 11/30 and I recieved another phone call from IRG. This time I spoke with a different lady and I told her that I was waiting on a written proof thru USPS before making any kind of settlement like I was promised the first time. She looked at my account and said that I only have a 2 day window and would not have time to recieve it thru the mail, she said by the time I get it it will have a summons attached to it. I just said I am sorry but I am not giving you anything over the phone until I have proof, I also told her that her company refuses to give me their address why in the world would I give you my bank account number????

I know that I did have a loan with Advance America but I thought it was paid. It is a storefront not an online lender. It was so long ago I don't have any paperwork now to prove anything. What should I do?

Can they actually charge me with anything? Is what she is saying true? BTW, the actual payday loan took place in Florida, I now live in NC.

I am just confused on what to do, I was told to file complaints with attorney generals office but not sure which one. The one in Florida, NC or where they are in Washington DC. I looked up the SOL and for NC it is 4 yrs for a written contract but in FL its 5. Which SOL would be enforced since I am now in NC but this took place in FL. Sorry if its so confusing, they have me scared out of my wits right now!!!