SAR and associates called to make a settlement offer on a bogus 2012 payday loan and threatened to place it on a credit report.I almost did it because I had received funds previously but not from the company they mentioned.I called the guy a scammer and said they would be reported.I asked tonight to be transferred back to him and they gave me a number that is no longer in use.Be careful as they are fraudulent.Sincerely, Mark D.Southgate,Michigan