I'll add my vote for LIR. Add to that the suggestion that in the letter you demand proof that you agreed to the loan. As for your BK I would include them in your filing as a CYA. We had been sued about two years prior to our filing and had a court ruling that we did not owe anything and we included it in our filing, just in case.
Bottomline, I think it is a scam that would not last long in a court of law, as long as you send the full $300 back.
Bottomline, I think it is a scam that would not last long in a court of law, as long as you send the full $300 back.
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