Bogus "collection agency". Not licensed by the State of Maryland to practice collections activity. Conducting illegal collections activity and violations of the FDCPA. Believed to be a scam involving con-artists who buy or otherwise receive outdated information regarding payday loans. Typically targets those who have applied for a payday loan online, even if they never got the loan. (Payday lending is also illegal in Maryland, as well as any attempts to collect on a payday loan). They will threaten with arrest, suit, warrants, etc. None of this is legitimate, it is simply a scare tactic to con you out of money. Don't pay. Better yet, don't answer their calls. Unfortunately, as it is a scam, there's not much recourse. Law enforcement don't have the resources to go after all of them, but it's still wise to make a report to local law enforcement, the FTC and your state consumer protection agency.