I took out a payday loan with speedy cash in tx it was over the internet. I defaulted on it after i made like 4 or 5 payments of 152.96 now they have turned it over to a collection agency. Named "Ad Astra Recovery Services" and i recieved a letter today stating that i had 15 days to respond back to them and pay 657.00 or if i didnt they would sue me and go for my proptery, cars, bank accounts etc... They also said that if i didnt rspond that they would have access to my credit report, bank accounts, credit card, employment, etc...it has shown up on my credit report and i disputed this.