After discovering this forum nearly 2 years ago I realized that 5 of my 6 pay day loans were not legal in my state. (Mississippi). I closed my bank account and mailed the letters, etc. etc. I did get 2 paid in full letters from 2 of the illegal lenders. . .and after some crazy phone calls from my personal phone and at work, I finally quit hearing from them. That was in Feb. 2009.
Now, I am getting crazy, nutty phone calls from "First IRS". And now I have received a letter from First Integral Recovery, LLC.