Has anyone ever dealt with AIS Services LLC?
Has anyone ever dealt with AIS Services LLC? I kept getting automated voice mail messages from them so I decided to call back and find out what they were calling about. I was told they were trying to collect on a payday loan (I can't remember the name) from 2005. At first they were really nice with me but when I was transferred to my "case representative" she began calling me a liar and yelling at me and being very rude. I asked her why she felt that she had to be mean and nasty with me when I was being nothing but nice to her and trying to deal with the situation. She said that she deals with "people like me" all the time and she's heard all the stories. I told her that I did not recognize the name of the payday loan company, I had not had any outstanding payday loans in 2 years, and that the ones I did have had all been paid. She continued to get nasty with me and I told her I had nothing more to say to her until she sent me something in writing as was required by the fdcpa. She got REALLY nasty and told me they did send something to me. When I asked her what address, it was an invalid address. She kept screaming at me and I hung up. First thing this morning, I sent a validation letter to AIS Services via certified mail to dispute the debt.
I am a little nervous because I checked the Ohio Secretary of State website and saw that AIS is registered to do business here and the court dockets revealed that they have sued a lot of people. I do not want to get sued but I think that the payday loan company, since it was an internet company not licensed to conduct business in my state in the first place, and who charged an illegal interest rate, would not be able to sue me here in the first place. In either case, the amount I supposedly owe is $595 which is a laughable amount to actually file a lawsuit over. I can't decide if I should just pay the money to make them go away or fight. I am reluctant to pay because another company, after I paid them over $500, sold my debt to like three other collection companies and I had to fight them to get them to close the accounts for something I already paid.
What should I do?