I got a call from Ellis Crosby and Assoc. on my cell phone and at work today (Sept.1, 2005). They said that the FSM group was filing 2 charges against me. one for breech of contract and the other for obtainning a us loan with attempt for fraud or something like that. Anyways, I do owe FSM group money, but I am going through a debt consolidation program and they are sending them money every month. The debt consolidation program told me that as long as the payday loan company is reciveing money to pay on my past due account they cannot do anything to me.