I received a call yesterday from American Law Firm stating that I owed a payday loan to Advance Cash Usa that I took out in Dec 2010. This never happened. This all started about two weeks ago with the phone calls. I usually don't answer them unless I know the number, but this call was to my job. They had all of my information, job, bank, ss#, address. Stated they were going to proceed with prosecution if I did not want to settle upfront. I have gone back throught my bank statements and I never received any payday loans, nor have I been charged for a return check fee when they said they tried to collect it in Jan 2011.