Same thing. Know this. Legit bill collectors can't say all of these things in a message. Slander laws among others see to it. Scam. And yes, use google voice! Get the "the number u have reached, has been disconnected" tone. :) Forward these call and even those annoying ex acquaintances... to this blocked list :)
Well, you could try a slander angle, but you already have the FDCPA banning the extortionist behavior of South Asian thug collectors and their cousins in North America. The trouble is you can only privately sue what you can find within your own borders.
This sounds like extortion dressed as collection. Consumer debts in America, including payday loans, are a *CIVIL* matter, not criminal! The agents' horrid threats are empty and their conduct is illegal. As early as possible it's critical to determine if your collector is domestic or yet another South Asian faker. The former you can sue into submission; the latter tend to be out of reach. Try to get a true business name and share it with the readers. By federal law this name cannot be withheld.
My notes from October 2011 on payday loan and "hot check" collectors are found here ...
http://800notes.com/forum/ta-429fb24ec2162e3/ ... -numbers-here-2
See also this FTC alert: "Fake Debt Collectors"
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
The following will be useful if you have a US domestic collector calling, and will in general help you sniff out the frauds:
official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
http://www.ftc.gov/os/statutes/fdcpajump.shtm
CFPB Q&A on debt collection practices
http://www.consumerfinance.gov/askcfpb/search ... debt-collection