This is indeed a scam! I received a collection email. When I tried to open the attachment my virus scan tells me it's not a good idea. I just deleted the email. It's from a Wendy Tate. I have never hear of them and have never used their service. I believe it's another attempt to for them to go on a phising trip! I can't stand these kind of places and the people who work for them. They should all be in jail for fraud and hanged by their feet as someone pulls out their fingernails! Also gouging out their eyes and pulling their teeth with dirty pliers may teach them a lesson. When that's all said and done drop them in a pot of boiling oil. That will keep the *** from scamming innocent people. Get a real job!