They have been calling my brother and dad and harassing them both trying to "find" and "talk" to me because I have 3 charges against me including bank and check fraud. Say that they are serving me court papers. The funny thing is that I called them back and spoke with 2 different people (both supposedly representing the same online loan that I owe for) I caught them in several lies and told them that if they have court papers to be filed against me they can send them to my home address and gave them my address. I also gave them my home phone and cell phone numbers and told them to stop harassing my family. I asked for them to mail me a debt verification letter along with a physical address to mail a payment to and their federal ID #. That was a week ago, and they have not attempted to call me since. They have however kept calling my dad and brother trying to "find" me. It is ridiculous. They are going by the name of Urban, Heidenrich, and Melendez LLC now. They have a law suit filed against the company in Michigan but they can't be served their papers because their given address doesn't exist. Screams scam!