I was living in PA and had a payday loan via the internet. Had to leave PA to escape an abusive husband so loan was defaulted. Now, 6 years later I have some company called Communication One Inc (this is what comes up when I do a reverse search, calling saying they are taking legal action, etc, etc. Their number is 518-621-58**. Ever heard of them? Oh, they also claim to be from a law office, no name, and from the National Check Registry. They are located in New York. I now live in AZ. At the time of the loan I think they asked for a check. So - is this fraud?