No problem! I am sure the join me session we did was fake as well. The formats of the 0 balance letters were extremely suspicious and contained random information. Also, one was a 0 balance letters was from a law office that doesn't exist but was filed under Corporation Service Company. One UCC was filed at the end of August but in just a few days he managed to pay it off....somehow. This is why I never just call the numbers on the 0 balance/pay off letters without making sure they check out first. Would be nice to press charges against these guys but it isn't easy, fraud can be hard to prove.