This guy "Mr. Ross" is a joke by feeding people lies in order to scare them in order to have them call him back. If you want to call and make such claims (suing) then send the letter in the mail not call around family and friends asking to speak to the person of interest and tell them that they are going to be sued. To me, he must be a debt collector and or if not one big scam!!! Don't let him or anyone in the same shoes scare you so easily... too many scams going on and if I or anyone is actually being sued send that official information within the mail, but don't ask me for my address because that means you should have it already so you won't get it.