I just received a phone call from this company and it sounded really fishy. The woman told me they were attempting to collect a debt because Regions bank had turned me over to them. It wasn't a lot of money, but what was odd was that I had not had an open or active account with Regions bank for at least over 6 months. I told her this, and that when I closed my account I went to Regions in person, and physically spoke with a Regions employee, they assured me I owed no money, and then closed all my accounts with them. When I told her all of this she just kept repeating that Regions had turned me over to them and they wanted to schedule a payment over the phone. I call B*LLSH*T and Scam! Watch out for these people!