I am 25 years of age single mom struggling as well I got a pay day loan almost a year ago on the internet was unable to pay it back at that time, these people from patrick corbett/southern tier agency left messages at my mothers house and on my vm to my cell phone that they were filing fraud on me for a debt that I had out, I got scared went out and bought a pre paid visa card so they wouldnt have any of my other personal info set up a payment arrangement with them and before thankfully they got a chance to withdraw any money off of the card I did some research and found out that I wasnt the only one that was going threw this when reading the site information, again they stated they had taken off some fees to make it easier for me. Of course that was after telling me that I should be picked up where ever an officer finds me for check fraud for a pay day loan that again was done over the internet more than a year ago, this is not how you get a debt collected
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