This company contacted me AFTER calling ALL of my relatives and acquaintences telling them that I had committed a felony! My husband and I owed 2 payday loans to a company we had been making payments to. She said there were felony charges being executed with the state attorneys office that day for a "Wolf 21" attempt to defraud, if we didn't submit $1260 by 1:00 the same day! We only owed $960! In a panic, we arranged payment, only to find out that they are nothing more than a collection agent, and had violated MANY of the fair debt collections laws for Florida in their threats, etc. FYI: Deferred payment organizations, such as payday loan companies cannot charge consumers with worthless checks in FLORIDA.