Ok so today i got a call from a so called law office I can't remember the first name it said but it was something and Lomardi, the number they called me from was 1-877-761-5169 I ended up calling the number back they call all the time, the man I spoke to said this was a loan I had taken out back in Sept 2011 thru Cardinal Management I know i did make a couple payments on this, the loan was for $200 I had lost my job and couldn't afford it, now this law office called said I should be receiving a summons and that the amount is now over $600 that i owe, I asked him to send me some sort of validat