Who is this ??

they said I had filled out a loan app, but I have not filled out any loan apps in over a year.  And they called at 6:00am!

Debt collector! Do not make a verbal agreement with them! Or a signed one! You renew your debt! State of tx is 4 years from the date of last activity ie payment or charge
Go to www.debtlawsuithelp an agreement by u can get a court judgement a judgement can get a writ of execution! That means they can wipe out your bank account Ira and everything else!
Call Type: Debt Collector