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I also have an account with these folks for a AVON bill. And receive phone calls. I must say that so far, I have not has an threats other than an attorney wants to retrieve my account. The lady was nice about it. Though she wanted me to go to a Western Union and call her back with the control #, in which I did not do. But I did however call her back, and the ext. she gave me was not even hers. If I decide to pay this debt, (having doubts from reveiwing all the comments within this site), does anyone know if the money actually go towards the debt, or do they scam it and keep it?