<prompt> Human: Over the last year or so, my husband and I have paid probably 6, 7 of these old pay day loans off from March 2011 mostly. The people who call ARE NEVER the actual people we got the loans from, and ALWAYS tell us we have to pay right then or they will send someone to serve us with papers. We work out a payment plan, gripe about it, pay it off and wait for our paid in full letters... WHICH NEVER COME! Which the helpful people on the phone always tell us they will do. Last month- another one. This one did NOT give us an option to make a payment plan, demanded payment in full right then, and told us the server was already out to deliver papers. an hour later, I finally got them to take a 20 dollar payment for a week and paid them 600 more a week later. That should have been the last one. Still have not received the paid in full paperwork. Tonight, a process server calls my husband and tells him she is on her way, will be here in 30 minutes unless he calls the firm to take care of the issue. We call the firm, it is the same amount as the loan we paid off not even a month ago... and all they keep telling us is the bank the loan was distributed to and the fact that the company couldnt take the payment on the due date. The say the server is already on her way, and that we will be going to court. After so many of these in the last year, I am welcoming the court threat. But Im a financial dunce, and I want to know what rfinance thinks we should do?  <response>: Stop paying these people over the phone.Request an address from them and send a debt validation letter and tell them they are only to communicate with you over mail and that they are no longer allowed to call you.If they call you after that, you can sue them. If they dont validate the debt, they cant collect on it anymore.I hate to be the bearer of bad news, but you may have been scammed by some of these people. 