Amscot is the same way. I got a phone call from them yesterday. For a payday loan, I took out. in 2007, I think it was And the message on the phone call was them saying that they were going to take me to court and try to garnish my wages to pay this loan back, which I'm sure has acred some kind of Interest. I don't care. They'll never get that money from me, anyway. But yeah, that's a hell of a long Grudge the whole back. Then I had a crappy job, making no money and I just totally forgot about it and I still don't care to this day. So good luck and Scott.