Well i'm dealing with paychecktoday now. I have been getting calls and then when I answer they hang up. So yesterday I called back and the lady that answered the phone told me that they are trying to collect on my PDL through paychecktoday so she put me through to a Ms. White who was handling my account, well when I asked Ms. White about all the hang up's she hung up :evil: So I looked up info on them and I forwarded all the e-mails I sent to paychecktoday (settlement offers that I got no response to) and other things I had to my state DFI. She is sending a letter out to ARM today.