These people have been calling and calling. I found out that Ia ctually had a loan that I owe$400. Everything matches but these ppl sound fishy. I asked them to mail papers but they said they could email it. All I got was a letter that anyone could type. But they do have the company that i borrowed from. How do I know if they are the real deal and should pay or not. When I called the loan company they could not tell me who my account was sold to. What do I do. They said they would hire an attorney where I lived and they hope it works out.