Why on Earth would you want a C&D from a South Asian fraud factory? That or a debt validation demand is what *you* would send *them*. As already discussed in this thread, that cannot happen unless the faux collectors are within your own nation's borders.
They pay attention to everything that show up on their Television sets. If they can imitate Hollywood, they'll imitate anything that shows up on their televisions. Since they grew up there, they can't imitate the American accent but they sure researched American names. They prey on people's fear and think that people would easily get scared and fall for their threats if they pretended to be a cop, an investigator, a federal agency or whatever their twisted minds can imagine. They mostly prey on women thinking women here are weak. Judging from their foul language, I am sure they treat their own women like crap.
these people are crazy; they call about every 2-3 days telling me i am going to be arrested in 2hours; some lawsuit against me; have no idea why they are calling and you can not understand their language.
Most of your remarks are echoed in what others have reported about the South Asian PDL thugs, in particular the misogynist angle and their often ridiculous celebrity aliases. This is a battle of cultures as well as economics. Their sense of legal boundaries isn't like ours. We Americans enjoy many safeguards of our privacy and rights of due process which may be lacking in the scammers' experience. Our respect for women may not be reflected in their pay stubs, but no one here is proud to be a wifebeater.
Indeed, fear does a great job of filling logical gaps. The criminal threats need not be plausible but merely cloud a person's better judgment long enough to empty a bank account. Part of our task is to fan away those smokescreens.
I just got this same call and the guy said that Advance America had given me an online loan and why didnt I pay it back. I told him I had never asked for an online loan. He then proceeded to to read me my rights and told me I was officially under arrest and to wait for an officer of the law to come get me. I laughed and hung up. I then called him back (blocking my number) and he called me every bad name he could think of, including some he obviously made up. I have had these calls before and the way I got them to stop is I would call them 50 times in one day and just say stupid things to them. Eventually they gave up.