This is a debt collection company specializes in buying old charged-off debt and threatening people by phone to pay up on it or else someone will show up at their door with a summons for a lawsuit. In my case they called my dad (who is 77) and threatened to serve him with a lawsuit even after he told them repeatedly that he wasn't me and had given them my number and address multiple times. From what I have read online in most cases the debt they call about is PAST THE STATUTE OF LIMITATIONS FOR COLLECTION IN YOUR STATE. Do your homework before you talk to them! They have to give you written notice of you debt, tell you who the creditor was, the date, etc. and cannot threated legal action if they are not going to follow through.They have been reported to the Texas OCCC and the FTC.