I just got a phone call from " Credit Judgements '' saying I 'm in default for a payday loan I took out in 2012 from the XXXX XXXX XXXX. 
I have taken out a payday loan in the past, but I 'm pretty sure that it was paid. 
I explained to them that I have never gotten anything in the mail and I asked them to send me information so I could research the validity of this claim. They refused to send me information and that I could take care of it with a credit/debit card or if I did n't do that, I would have to wait for a court summons and get an attorney if I wanted to fight it. 
Again, I asked for proof of debt to be emailed or mailed to me and they would not send it. 

Company name & address : Credit Judgments XXXX XXXX XXXX XXXX, NY XXXX Contact : XXXX 
