So this company by the name of DRS, " Direct Recovery Services '' called in regards of a debt I owe from a online payday loan called Cloud Lending. I do n't remember if I did get a loan from them. But they had called saying I owe this amount. I do n't if this debt is true and I never received a letter verifying the debt. This DRS ( Direct Recovery Services ) does n't have a physical address. All they have is a PO box address in XXXX different states. They sent an email for me to sign to authorize to make payment through internet program XXXX. I have n't received a letter from this debt collection for my to verify this amount owe. They claim they do n't have to.