I could use some advice and it looks like you're one of the more knowledgable sources in this forum. While I'm sure that my story is going to read like many others, let me lay it out for you. I took out a payday loan, was layed off from my job and miss a payment. Upon receiving my new job I called back the payday loan company and told them that I would like to pay off my loan. They told me that my debt was bought up by another company and that I would receive a call. That company turned out to be United Pay Services.