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Received a call from the collection agency identified as PDL Recovery, phone number 855-479-4580. They said I defaulted on a loan from and now they want to collect at least $430, saying my balance is over $1000. I paid bimonthly payments to MyPaydayLoan for over a year on a $400 loan. I told them I am now unemployed and asked for a debt validation letter, etc. They say they have no physical address. Is anyone familiar with them? Will they really sue me for MyPaydayLoan? I known MPDL is in Costa Rica, but I wonder if this collector is legit or not?

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