I got a message on my answering service stating that a person would be by my house between 4:00 and 7:00 PM tomorrow. The person is to deliver paper work on a payday loan in the amount of $700.00 or I can pay it off for a lesser amount. I think this is the second time they have called the last time was about a month ago. I haven't called the attorney yet this time. The loan was taken out in 2009 and I thought that I paid it off. The last time I looked over my older files that I posted and there was another time I had asked similar to the same question and one Attorney said to forget it that it wasn't enough money for them to take it to court. What should I do?