A man in California has been contacted by a debt collection law firm over a payday loan, supposedly from 2013. However, he has not taken out any loans since 2008, when he went through a Chapter 7 bankruptcy. He has asked for documentation of the loan, but they have not provided any. They are telling him that "I didn't take out the loan' is a common excuse people use to get out of paying, and that he should just start paying the money. What should he do?

