I was very afraid after speaking with them so I went and looked up the number for Advance America who is the company that they supposedly represent. I didn't have an account open with them and they said that they get these type of calls all the time. They should be ashamed of themselves for doing people like this, and it was a foreign guy that I spoke with.
This is a scam, they said they were from LLC law offices, the # on my caller ID was 052658871. lisa jackson was her name with a very heavy indian accent.
Scam scam..."Mark Smith" - they stole my info from a bogus online payday loan app from a couple of years ago and now they are calling all the contact numbers on the app too - do not pay them a single penny
Beware scammers are using bought/hacked loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.