I was contacted by a person from credit solutions that was representing Contiental Finance and He said that they were going to turn me into the IRs because I never made a payment. He stated that this was income since I didnt make a payment. He was offering a settlement amount but I had to make a decision by 6pm when he was calling a few minutes till 6pm. I f not he was gonna have a 1099 form filled out and then report me to the IRS. THere are so many scams out there THis is the second one that is trying to take me. THink something should be done about this.