I have about 4 to 5 pay day loans. I attempted to contact one in particular today: Web Pay Day Loans - they have contracted: Legal Mitigation Practice based in Jacksonville, FL to settle the account. The loan is $300 - I borrowed 5/31/07. Due to financial difficulty, I closed the checking account (Chase) where they were debiting the pay day fees (extenstions). I even told them so over the phone. They never agreed to my pay arrangements... Upon contacting Legal Mitigation - he advised that I am in trouble with the law, will have legal enforcement against me if I did not pay today.