Bay Area Credit Service is fishing for $$$! These crooks are trying to collect a debt for AT&T that I do not owe, so it must be a scam. I paid AT&T with monthly recurring payments from my bank account and was even given a refund by AT&T when I cancelled. I have my bank statements as proof of payment. I think they're just fishing for money from innocent people who will pay up without question. It's unbelievable how long they have flown under the radar and have avoided a prison sentence.