I just got a phone call, at work, & was told that if I don't bay them 330.50 by 3:00 end of today today (1/12/07), they would file charges against me. The offices of Phillip Abernathy said that they could not fax me any of the information, but that the company that I supposedly borrowed money from has sent me letters & e-mails, which I never got. Does anyone know what I can do?