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None. This company API Recovery Solutions, XXXX are repeatedly, myself included, contacting people who have or have not taken out payday loans. They do not send debt validations as requested. Additionally, when they are trying to contact people they are also calling possible relatives they find on a people locator and telling them that they need to speak to this person because there is an issue they need cleared up regarding a financial loan. They are contacting people from years past, ex-inlaws, ex-spouses, etc. There are many complaints on them. They are scamming people out of money when this person has not taken out payday loans. PLEASE STOP THEM. I have people I knew 25 years ago trying to contact me about them calling them. www.APIRecoverySolutions.com. I do n't know where they are ba