I received a email from this company said I had a Bay Area Credit Services I haven't heard anything about or from them, I believe it's a Scam, and a very good one to have Credit Karma to inform me of it, I'm not paying a penny to them.
March 2019
Received a legit bill. Called, spoke with someone who was very friendly and helpful. He did come across as a little pushy but I suppose that comes with the territory (being a bill collector). I am sure there have been bad experiences but I had an okay one.