Hello, just to let you know. I received a phone call from, well actually I'm not sure what company they were with. Anyway, they called me this morning at my place of work, and she Ellen Char was representing M1Y direct. She told me that there were 2 charges pending against me by M1Y direct,1) misuse of federal funds 2) default in breach of contract, there were several more as well. She was telling me that they (M1Y Direct had turned my account over to a company called I Collect (a debt broker), M1Y was claiming they tried to withdraw funds for my loan from my checking account.