I've just been contacted by americam legal services, I spoke with them after the fifth call that day, the guy was very rude claimed my husband owe 645.25. the guy had a heavy accent, alleged we took out a payday loan in jan 2010. we did take out a payday loan, but it was paid in full in feb 2010. The guy gave me 7 company names they repersent none i used, I asked him which company is claiming i owe them he said he doesnt know the name of the company we supposely took a loan out with nor could he provide a loan number. He has our information which was entered online.