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  1. Good evening, Today I received a call from a woman who stated she was calling as papers were being served and they wanted to make sure that someone would be at home. She did not identify herself or the name of her company until asked. I asked who was being sued and she provided my name. When asked about the debt she provided another number for me to call with a reference number. The number provided to me was 1-877-283-1859. I called, gave my last name and provided the reference number. The young lady I spoke with informed me that I was being sued for a payday loan taken out with Quick Cash Express on May 11, 2012. The representative did not provide her name or the name of the company until I asked. I asked for the name of the company, their address and license number. She sarcastically provided the information: J Powers at 111 North Orange Avenue, Orlando, Florida 32801 with a license number of 574891. The original amount of the loan is $500.00 and if I go to court they are looking to collect $1,488.00. I can settle out of court for $698.00. I have been searching online for this company and I cannot locate any information. I also asked for the name of the attorney handling the case and she stated it was J. Powers. Going back to the debt. I do recall taking out a payday loan- in fact I have taken out several years ago and learned my lesson. They are not worth the headache. I do not recall taking out a loan with Quick Cash Express so I asked if the company goes by another name. She said yes and gave me a list of names (Extra cash, Ace Cash, 500 fast cash etc.). I do recall taking out a loan with Ace Cash but to my knowledge, the account was paid in full. I have checked my emails and the last contact I had with them was 2011 and my loan was paid in full. In addition, the company name changed to Advantage Cash Services. I asked the representative if she could validate the debt and she said yes. She informed me that my bank account number was on file, my ssn, email address, mailing address and electronic signature. I asked if she could provide the loan document with the original signature and she said, "No. What more proof do you need? We have your information on file." Prior to these two calls today, I never received any correspondence or calls about this debt. I'm hoping that someone can point me in the right direction. I am not trying to get out of paying what I rightfully owe but I cannot just open my checkbook and pay someone just because they said I owe them money. I will continue to read the various threads to see what I can find. I need to know if this company exists, if they are licensed to collect and what I should do if I get served (other than going to court). Thanks in advance. Nylady
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