K.I.P. Ripe Off Scam They called stating that I had taken out a Payday loan that was placed in collections with them I did not take out said loan from Advance cash a sub of American truest Co. they told me to send $285.00 today to stop collection and if disputed loan it would hurt my credit rating and they would garnish my wages and put lean on my checking account. They then sent a fax to HR/Payroll with a request that they forward it to me . no other documentation just threat of action. Henderson Nevada