If you had a lawsuit against you, you would receive a court summons via process server (or in some cases, certified or registered mail). You wouldn't receive a vague, threatening phone call.
They just called me threatening me telling me if I didn't pay $1997 right now on the phone I would end up with a lawsuit for money laundering and fraud. Scared the crap out of me. Asked for a supervisor and she couldn't tell me anything, and told them I was calling the police.
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350