Someone named Trina called me this morning (before 8:30am) and threatened legal action without paperwork sent to us beforehand. My husband told her recently we are both unemployed and have no income coming in. She proceeded to say that she asked my husband for $20 and that is not much. I then said it is too much...and before I could say anything else that if we don't pay we will be sued and good luck to us and then hung up.