I am 25, recently purchased my first home in 2005 of June, and while doing so, my father fell sick. While being in the hospital for 3 and half months the bills kept rolling. I was working two jobs, but it still didn't seem enough, so I fell prey to the Internet Pay day Loans. I am at work right now and received a voice mail from "Ellen" from United Legal. Curious on what steps I need. I also received a call from "Pay Services" from Jacksonville, FL. the other day (June 8) and has been constantly harassed since.