there was a payday loan opened by my ex girlfriend that was placed wwith marvel and assc. now at this point i am not aware of this debt. Then a collector by the name of richard brown who is a 2 time covicted felon calls my friends buisness, which happens to be a collection agency, and discloses all debt info to my friend. And when i tried to validate debt they would refuse to speak to me about it after adressing the issue w Richard Brown.