I received a letter on November 21, 2014 from vantage point services sandy Elliott compliance department saying I owed a debt with check & go for $367.45 I needed to contact her to clear this debt up or there with be civil action taken against me and I will be responsible for $3000.00 in court fees. Then on December 24, 2014 I received a call from sandy Elliott leaving a voicemail telling me I didn't contact her to settle this debt it will be a civil suit against me ...