MCM threatens you with legal threats but does not provide the info needed to prove the debt is you. I had purchesed a computer from Dell in 2005 then MCM said I owe 3000 some dollars on a computer i purchased for 1700. They could not provide proof of the amount but threaten that it is in the process of going to court and a judement made on you. Then they agree to a settlement payment. Then they change the end date and added an extra month. Then said your payment couldn't be processed and you owed the full amount. They wont let you pay by check, electronic check, direct payment but only by credit card. After threating them by keeping all records and proof that you will win in court they will agree to accept the final payment in a check. I believe they find old debts aand threaten people to take there money. This company is a fraud