Last November, out of nowhere, I received a phone call at work from Harold Scherr's office, stating they were calling about my Providian credit card account that I had not paid ( I had run into some financial difficulties due to medical/out of work). I had never heard from these people before. He said that he wanted to give me a call because they were in the process of filing a lawsuit against me, and had pulled my record to see if I had assets to attach to. He said I could prevent it if I came up with $7200 (even though the balance was only around $6110).