Got a letter from this company saying that they were offering me a deal to "clear a debt" that I don't even owe. According to the letter, it was a debt owed to Arrow Financial Services, another bottom-feeder collection agency. I called in to the company (not recommended) and the call was answered by "Eric". I identified myself and asked him for the contact information for Lance Black, the company's President. "Eric" wanted to know who I was and what business I had with Lance, so I told him that I needed to... read full review »