my mom got a letter in the mail from mel s harris assoicates she is XXXX years old and they threaten to close her bank acounts she paided off the debt of XXXX dollars all she gets is social security and a pension, She was paying XXXX a month, my mom has know saving account she lives paycheck to paycheck, The debt was with housebank for XXXX in 2004 they threatened to close her bank accounts she gets direct deposit thats why she paided the whole amount and they never served her with papers