1 /5 Mar V: A couple of years ago I borrowed from these guys. They struck me a pretty unprofessional then but I paid off the loan and forgot about them. Then I was contacted by a collection agency in Chicago--another really lax outfit. Part of their complaint was that they had not been able to contact me. I have not changed contact information in 11 years--so that was the big clue that these guys are bogus. I challenged them and sent them the evidence of the payoff. They would not stop even when I asked them to return the loan to the client. I contacted Freedom and sent then the documentation. The collection agency persisted. So this is simple--I sent the information to the California Department of Financial Protection and Innovation. It was accepted so I will let them work it out. Use these guys at your own risk.