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This morning at 8:44am I received a call from 217-717-8200 (I am in Illinois... it shows this number is calling from the Springfield area.) A Renee Spencer stated that she was calling from URS Risk Management in regards to a "default and disclosure statement" against my name and social security number. She stated that a complaint had been filed for "inticipatory breach of contract for frauding a financial instution" and that myself or my legal representation would need to "contact the firm" at 1-855-546-8984. I called the number back to find out exactly what they wanted, and spoke to a Daniel Morlan who gave me another number to contact at 1-855-974-6538. He told me the reason they were calling was that their client, PDL Ventures, had turned my account over to them to collect for money I owed. PDL Ventures is an online payday loan company, and in 2009 I had several online payday loans. I got so far behind in all of them that I ended up closing my bank account and dealing with the backlash as companies contacted me. PDL Ventures sounds familiar to me, I'm not denying or validating the debt, and if I owe it, I will take care of what I owe. My issue is I have no idea if I have actually paid this debt or not, being that it is 5 years old, and the original loan amount would have been for $300-$325 and they are now stating that due to fees and interest, I owe close to $700. Obviously they said they are willing to settle with me for two payments of $250, which would still be $200 over what I originally took out the loan for. I cannot find any information on PDL Ventures to contact them directly and find out what I owe (if I owe anything). My email address and physical address have changed a couple of times during the last five years, however my phone number has been the same. I have not received anything in the mail from PDL or from URS regarding this debt. . Should I send a debt validation letter, certified mail, return receipt requested? Should I send a cease and desist? I've gotten smarter about dealing with CA over the years, although I luckily haven't had to deal with an issue like this for quite some time. I won't fall prey to their scare tactics of trying to sue me or file legal charges, but I also take it seriously so I won't be brushing it off and doing nothing about it. They have now called me three times today since 8am. Please advise on how to handle this collection agency and how to proceed in getting this taken care of. Thank you in advance and HAPPY NEW YEAR