So, I foolishly took a loan out with Money Key (never again, by the way), paid it off as soon as I could, and thought that was the end of it. Low and behold, today my husband gets 7 phone calls, saying I still owe $145! She said the balance is from last year! She was a rude chick to boot, put me on hold for ten minutes, and I hung up. I need to pay it so my credit doesn't get worse, but beware, these companies don't give a crap about you. NEVER AGAIN!