They find your personal information online and call and harass you for bills that you owed in the past that has been charged off. They found me on a business site and called me through that. They lied about the amount that I owe and it was in the thousands. I will not be surprised if I hear from them again. If you hear from this company you should report them as soon as possible because they are nothing but scam artists who are out to get your money. Do not give them any money, not even a dime.