If anyone calls you from Mareno and Woods they are predictor debt harasser. They wil call you names, yell and scream and threaten you will be in court in 2 days. Takes longer to file and serve you with papers that that. They buy old written off debt and then say they will settle for a few thousand. Sounds ligit but do nothing hang up and keep track and call the police for phone harassment. SCAM SCAM!