Got the same message today from a Jacob Matthews. This is a scam. They have been bothering me on and off for over a year. Police can't trace. I can't stop it. I am in Kansas and have seen posts elsewhere from other states with people getting the same message. They say you've defaulted on a payday loan or some type of loan. They never call my home only my cell phone. One time I was told on a Friday, if I don't come to the New York district court offices on Monday with my attorney they had no control over what I'd have to endure.