SAR & Associates I received this letter on Fiday the 6th of Dec 2015 for collection purposes Plantation Florida

I received this letter on Dec 6, 2015:

                                                 SAR $ Associates

                SAR & Associates 8201 Peters Rd Suite 1000 Plantation, FL 33324

                                   P: (866) 399-1719 F:(593-8830

October 15,2015

RE Original Creditor: LTS Management

     Case File # 512915

     SSn: xxxxxxxxxxx

     Past Due: $1450

Your account was turned over to SAR & Associates to proceed with pre-litigation action against you.

Be advised that your account is severely past due and is now active in our internal Civil procedures department of SAR & Associates. Several attempts to resolve this obligation have been made but have been ignored by you.

Failure to contact us with in 30 days may result in legal action against you.

We encourage you to call our office as soon as possible to take advantage of flexible payment plans to help you settle this outstanding debt.

Sincerely

SAR & Associates

Civil procedures Department

I called and aslo spoke to Mr. Alexander. When I was adament that I did not owe this and the Payday Loan I did have was paid off in 2012 and nothing is on my credit report to state I owe anything. His reply was that he has two courses of action: 1. he can set up payments arangements 2: he could put me at refusal to pay and then further action would be taken-ONLY options.

When I told hinm the letter was dated October 15 ans I received it that day he said that was out of his control. I said you mean I have one week to figure this out and I go to the next step? he said yes, I could accept a lesser amount that was approved by his supervisor, if I wanted to pay in full today.

He said if I wanted to dispute there was nothing he could do but put me at refusal to pay.When I told him again there is nothing on my vredit report and there have been no "derogatories"  for 31/2 years he said he would bneed to see a reort from 2012 where I was paying a payday and this new one that does not show the account. I told him that would take time -well you have one week. That was it!

After Looking for LTS Management on line and seeing the bankruptcys and everything there from 2012 I decided to look at SAR & Associates- guess what I found? Thanks to you I am much more at ease, but if all these people have received the same letter we are dealing with a scam!

Thank you for being here.