Called my work, my phone and my in laws house. I answered the phone here at work and said I defaulted on a loan I took out through the internet with the ip address and my work email back in 2010...Told me if I didn't take care of it I would be taken to court. I told them I haven't take a loan out and why haven't they contacted me before now. She said if I do not pay they have no other choice than to turn it over because I refuse to pay and I will taken to court. I told them take me court. Told them they have no evidence or proof. She is even said they have tried to contact me through email. That has not happened. I guess we will see if I get a judgment notice in the mail....NOT!!!