I took out several payday loans in between the years 2009 -2011. I can honestly say that I may still owe one payday loan that I just could not pay at the time. I recieved a call from a company claiming to be a litigation firm by the name of STP associates and they informed me that I have 2 charges against me for check fraud. They offered me a settlement for my original total of $260.85. At first I agreed to pay them and gave them my credit card info over the phone. When I realized that I might be getting scammed I withdrew my account and cancelled my CC. I called STP back and asked for documented validation of my debt in the mail before I agreed to pay. They said once I pay they will email it to me. They have given me until friday before the send me a summons to court.