So after 2 years I get a phone call from a Pay day loan place telling me I need to pay off my loan I took out. This is not a collector calling either, this is the actual loan place. They also tell me that they are contacting my employer to gaurenshee my wages if not made within the week. So first thing I think is "Oh no did I miss this payment?? Two years ago?" The loan was for $200 and I was pretty sure from what I can remember it was paid. So I have had a few days to think about all this and I am in shock that these people have missed contacting me in two years from this May. I am pretty sure this was paid off. How do I go 2 years back to find out. I don't even use the same bank I did two years ago? Do I pay it and forget about it. Do I take legal action? I am kind of mad that they contact me after 2 years with threats...
Any thoughts on this?