This guy by the name Randy Evans with IPA, International Profits Association, google them they are criminals. Attorney Gen in IL filed suit against them. Anyway, I have told this person time and time not to call to send in writing or if he wants to file suite go ahead and he wont. He has threatned since the summer to file suit and hasnt..l.he just keeps calling and I hang up and he calls right back. I had an attorney that thought this was a joke and he was talking with them and then he passed away so now I dont have an attorney and I cant afford a new one. This could be a third party collection agency. the company has changed name several times.