I RECEIVED A LETTER IN THE MAIL ON 11/9/15 FROM S.A.R ASSOCIATES STATING THAT i OWED $1126.00 TO A COMPAMY NAMED LOAN SHOP ONLINE LTS MANAGEMENT, WHICH IS A PAYDAY LOAN COMPANY. AFTER MUCH INVESTIGATION AND SPEAKING WITH MY ATTORNEY ABOUT THE FOR MENTIONED CIVIL SUIT AGAINST ME, I FOUND THIS WAS NOT A LEGITIMATE COMPANY AND IT IS A SCAM. THE PERSON THAT I SPOKE WITH SEEMED TO HAVE A LOT OF INFORMATION ABOUT ME, BUT WHEN MY ATTORNEY LOOKED INTO IT, FOUND OUT THIS LETTER GOES OUT IN THE SAME FORM TO A LOT OF PEOPLE. IT IS FUNNY HOW EVERYONE OWES ALMOST THE SAME AMOUNT TO THE SAME COMPANY. PLEASE BEWARE OF THIS AND PLEASE KNOW IT IS A SCAM. THEY MUST DO A GREAT DEAL OF INVESTIGATION BECAUSE THEY KNOW SO MUCH ABOUT YOU, BUT THIS IS A SCAM. DO NOT FALL FOR IT AND DO NOT MAKE ANY PAYMENTS.