I got a letter from Sar Associates today.It stated your account was recently turned over to SAR& Associates to proceed with pre-litigation action against you. Be advised that your account is severely past due and is now active in our internal Civil Procedures Departmennt of SAR & Associates Several attempts to resolve this obligation have been made but have been ignored by you. Failure tocontact us with in 30 days may result in legal action against you.We encourage you to call our office as soon as possible to take advantage of flexable payment plans to help you settle this outstanding debt . Who are these people? RE:original creditor LTS Management Case# xxxxxx SSN **** Past Due $1,450