S.A.R & ASSOCIATES Trying to get back on a loan witch was never token out Ft. Lauderdale Florida

 Sar& associates called our cell phone several times useing 10 different numbers I look up all ten numbers they all said they were scams I didn't answer any of the numbers I put them all on my block it number plus I'm on the do not call list but I did leaden to the message went it went to my voice mail they said that they are from civil Division a couple times then it was changed to sars&associates using my wife's first name and said they had paperwork to be delivered I did not call back look up all numbers scam the on November 5th my wife go an letter in the mail from sars and associates has all her info and last 4 digits of her ss number states that she owes $958.00 dollars to something called Loan shop Online LTS Management I also look up both companies witch lead me to read all these ripoff report's witch all say scams letter also said in order to stop further civil action and credit report to enroll in there repayment plan I'm thinking that this is all but nothing but a scam and I would have a question about me my wife has no paydayloan in her name but for me I acidently took out a paydayloan witch I didn't know it was on a black flag scam until I got an email how to repay my loan was to get an international money order to new Delhi I called my bank and closed my account and ask my bank if it's OK to get international money orders she said be worend that is a black flag scam she said think twice before I send them any money so after I herd about that I decided not to send them any payments