I got a call from this number, heard them out and looked for key phrases. I work for a debt collection co under contract of the DOE, So I was concerned about how they had my info because I see how things SHOULD and do work. I called Lexington Law after and they were able to pick up where I left off with the man from this number. Not a scam, but paying $109.99 a month just for them to send "intimidating letters" to lenders holding loans is not much of a service. My advise: pay your debt off. It's rare that I get cases at my office that I can actually process a dispute for, If it's on your report and you haven't filed a police report for fraud, there is absolutely nothing you can do through agencies or firms like Lexington Law. Pay it off, be responsible with building credit, do what you can afford. Best advice from a Debt Collector.