Today I received a call from Federal Check Recovery, obviously they are a pay-day loan collection company, 4 calls within 3 hrs, 2 at work, 2 at home, and the last one stated that I have been served, and they would see me at my place of employment tomorrow. I know this is a scare tactic, or should I say I hope so. I stupidly took out several pay-day loans, paid of a few, but after all the fees, i give myself a dope slap daily, but I needed the money. My question is .....