I got a call from this same number. So guy whi said his name was Collin Riveria and that he was a check fraud investigator and had pending felony charges that he was going to process through my state (Texas) AG. Lmao. Yeah ok go for it dumba$$. I did some deep research and investigation myself and found that it was actually some half a$$ law firm that buys charged off credit accounts for pennies on the owed debt amt and then tries to scare the debtor in to paying the charged off debt. They use legal jargon they learn from some online paralegal school and try and threaten the payment out of people. These charged off debts can be 5-10 years old. Most of the debts are from payday loans that were renigged on and the check that was used for the payday loan didnt clear the loanee bank. The next time they call anyone tell them to go ahead and file charges. No one has been arrested for a bad debt since the early 1800s. Its just not done. Its actually a long civil suit process that most all debt collectors dont want to mess with. If you honestly write a check in good faith and something unforseen happens financially and you are not able to honor the check the most anyone can do is give ur check to your county hot check dept for collection and even that has strict requirements.