I am debt free and owe nobody. I get a letter the mail from SAR and Associates stating I owe them 1450.00. Get out of here. These folks are cr oaks. I googled them and found that they represent a company called L T S Management that is also crooked and is in legal trouble shark loans and other illegal activity. I don't know where they got my info. I'm not scared over their threats because I owe nothing to these people. I will be seeking legal counsel to protect me. Shame on these scammers.