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Direct Process Servers (DPS) called stating I owe a payday loan from approximatley three years ago. They stated I closed the payday loan account, which I did not. I attempted to contact the payday lender who I believe I owe, but the number is no longer in existence. When I asked DPS when the loan originated, the name of the lender, the exact loan amount, payday loan account number, and contact information of the lender they refused to provide me any information or to send me any documentation in the mail. When I refused to pay them $111 a month for 10 months without verification of the loan and their legitimacy, they stated I will be served with a court summons. I live in Maryland, what are my rights?