That's the first letter I received it's a collection notice from Total card Inc how to Sioux Falls South Dakota it says I owe them a lot of money which I don't all my bills are paid off the only thing I owe on is my house and my car I don't understand why they're sending me this collection notice. Otherwise how would I have bought a new home just six months ago? I find this vulgar and distasteful to say the least. Scammers like this should be prosecuted to the full extent of the law.