In XX/XX/XXXX I obtained a payday installment loan from XXXX. I was unable to keep up on these payments, so decided to do debt settlement on this ( and other debt ) through XXXX company. I settled all my debt in XX/XX/XXXX have been making monthly payments since. In XX/XX/XXXX the debt was converted into a debt consolidation loan with XXXX. I have been paying timely payments on the whole of debt ever since. Now my employer as well as myself are being repeatedly contacted by Nationwide Debt Management XXXX ( or NDMS ) XXXX XXXX XXXX. XXXX XXXX XXXX CA XXXX asking for payment on my debt to XXXX I no longer owe this debt! I asked for a validation of debt and received only an e-mail. Not to mention the amount was far higher than what I originally owed as well … very concerning.