I get a call every other day since July 2015 saying if we do not hear from you or your agent by the end of the day we ill take that as waving your right to counsel, but never gives me a name, business name, what it is regarding nothing. I haven't gotten payday loans but I was looking into them a year ago or so. I wound up getting about 15 calls from different people saying I was defaulting on a payday loan so I didn't except a loan because of all the scam calls regarding it. Now I have been ge3tting this number for 2 months about every 2 or 3 days and the message is always the same. Always ends with "we will submit the case with the state govern yourself accordingly", but never tells me what it is regarding. Nothing has ever happened I have never even gotten anything in the mail. This is a total scam! Trying to scam people into giving banking info to them over the phone.