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Hi everyone, It's been a while since I posted, but you've all been extremely helpful in the past (I was successful in court against Midland thanks to all the wonderful people here), and I need some help/advice again. Today I got a phone call (voicemail) from a lady saying she was from "Pre-Litigation Accredited Services". She said there's a pending investigation for two counts of fraud. I couldn't understand her on the "Accredited" part when she left her message, so I called to see who these people are. The phone number went directly to her extension. The first two times, it went straight to voicemail. The third time, she picked up, and she had to repeat the name three times before I finally understood her. I only mention this because I wanted to clarify why I called them in the first place. Apparently (according to her) they've sent two letters about this, but they were sent back. Turns out they were sending them to my old address. I didn't give her any information at all except my name. She said they represent CashNet USA, and that there MIGHT be an issue. They don't have any solid evidence to SHOW any kind of fraud on my part, and CashNet USA does not show up on any of my credit reports. But according to the voicemail she left, I was "required" to call them back by the end of today's business or they would summon me to court. I have had a loan out with CashNet USA in the past, but it's been a LONG time ago. I knew then that payday loans were bad news, but I was in a fix. I was meticulous with pay back, however, and I did pay them off, so I'm confused as to why this is coming up. A Google search doesn't bring up anything for "Pre-Litigation Accredited Services", which makes me wonder if they have an entirely different business name and this something like a department or something. I'm in the middle of trying to clean up my credit. I've been able to go from 435 to 565 over the past several months. It's been HARD WORK, and I still have a ways to go. Now I have this bump in the road. Any help would be really awesome. Thanks!!