I recieved a collection notice from Universal Fidelity LP, who is collecting on a debt owed to Sonic(Cash Transfer Center). On the notice it has the license #, which allows them to collect in my state. So I decide to do a little research. According to the state website the company was under Regulatory Adminstrative Action. After seeing that, I called the state regulators and according to them Univeral Fidelity's registration is inactive. Why, they did not paid the licensing fees for my state. I am wondering what I should do. Did I mention payday lending is illegal in my state.