I got a phone call from a man by the name of John Spartan. I think that is what he said because of his strong Indian accent. He informed me that I had 3 civil allegations filed in court and that I would be arrested the next day Dec.3, 2008. I asked him when this was done and could not tell me the date of the loan date but told me that the affivated was filed in April 2007. He also stated that the references would be arrested as well. I asked him also how much the amount of the loan and he said 300 dollars. My credit is not good enough to even get a credit card for that amount. I just wanted someone to know what this company is doing.