I have had the same experience and I too think it is a scam but am nervous about it too because like you I have some late pays on payday loans.
The guy calling me said his name is Chris Edwards and you could tell that he was trying to hide his accent and talk as an american.
Thanks sed. I received an email this past Monday, stating that I had 24 hours to respond and if I didn't, they were going to sign legal documents. I just got a voice from them again stating that I need to call back as soon as possible. There was an website on one of the emails they sent showing Global Efficiency, which is in Canada. But the company they give is American Debt Management Systems. I have been hearing from them for about week and half or two weeks. That # of 1-017-44 is what showed up on my phone too. Thanks your response.