I recieved an email from these pieces of garbage a few days ago. The name John Morgan (which is I know is ficticious) is on the email and that I owe them $540.00. I have NEVER taken out a loan with any of these scam companys. The very bothersome aspect is that they have my SSN. These pieces of garbage need to be put in jail. This is identity theft and I will be prosecuting THEM.