I had a Ron Ricardo call me too, and a John Smith and stupidly, i thought i owed them money so I gave them my cc#, they got the number wrong so they called again saying it was insufficient and i told them it never touched my bank, and they confirmed they got the number wrong, they double charged me, then kept calling saying they never got the initial payment because it was insufficient. I even went as far as to fax proof and they said they would just pass it to the manager, but then would call later with the same story how they dont know anything and I questioned why they do not document anything electronically that someone has called. It seems the only thing they keep is your cc#.This was October of 2009 and I still get calls every few months, but from different numbers (same company). I got a call last night, couldnt understand the name due to the heavy accent and he told me it was a legal matter and they were sending me to court on Aug 13th. I told them I will not pay anything until i have written proof or paperwork and he said they were not a post office and they sent something in Jan 2010. I asked him what he would do if someone just demanded him money with no proof and he said, "that wony happen I take care of all my debts" then started yelling at me. I told him not to talk to me like that and I hung up.  I keep track of my credit report monthly and there is nothing of the sort showing up on it, so if you are worried, double check yours too but i see that it is a scam. Also, if you gave them money, change over your account.