Someone calls claims they are an Independent Process Server and will be sending me papers if I don't pay an amount immediately. The debt is from a payday loan. I don't mind paying what ever I might owe but they will not accept payments and they are trying to scare you. I called the BBB, the FTC and the District Attny Office who said to ask for proof in writing and to not give any personal info. That she is certain it is a scam. I do know that they say they are going to arrest you and they can't arrest you. They can only serve papers (if it is legit) for you to either appear in court or garnishment. Neither is great but you won't go to jail.