I got the same call two days in a row I blocked their number on my cell phone (after I googled the number and saw it was scam) and then they started call my home number I got nasty with them threaten to take legal actions put me on hold tried to call back and no answer.
It was 2 different callers both males but very hard to understand what they were saying it def seemed like a cell phone they were on, didn't state names, company names, or the bank name!
Much as these crooks preach otherwise, a defaulted payday loan *IS NOT* ever considered "check fraud" by the courts. A PDL is *always* consumer credit. Consumer debt in America is *not* a criminal matter. Collectors do not need and cannot whistle up anyone with a badge and a gun to get themselves paid. Real law enforcers have trouble enough catching people who threaten lives and public safety, and they don't want another job chasing unproven penny-ante debts.
Never let bullies on the phone confuse extortion with debt collection. Honest debt collectors do not typically send their claims straight to a judge, and they don't take your ransom money to broker quick deals with so-called "process servers". There are no secretive "arbitrators", "assessment specialists", "detectives", "investigators", "mediators", "mitigators", or "prelitigation specialists". They are sweaty double-talking criminals with a script full of coercive remarks. The agents' horrid threats are empty and their conduct is illegal.
Lawful debt collection is a process, not an ambush. Early in that process you must be given a specific notice about your alleged debt and how to dispute it. From there, you have a right to obtain proof of claim *on paper*. Federal law does not expect you to take only the word of strangers on the phone that bad things are about to happen. Do not reward lawbreakers with your money. Challenge them always, sue them if you can.
FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection
How nice for you. "Because they had all my information" is not a reason to pay strangers on the phone who make illegal threats of arrest and litigation. Anyway, where was your eagerness to pay the lender before the account was sent to a collector?
I also just received and automated call for James Kaiser and that I needed to press 1 to speak with someone regarding a criminal that was pending, however they never used anyone's name in the recording. So that is when I googled the number and found all of the comments, this is getting out of hand.