Received two auto-dialer calls this evening, leaving a telephone number to call back. I called the number back, and as soon as she said "Global Services", I knew what was going on, because I dealt with these scammers last year about this time. According to their records, I now have two claims filed against me for unpaid payday loans. When I explained (not very calmly) that I did not have any unpaid payday loans, that I was to be immediately removed from their call last, and that I was going to report the number to the Office of the Attorney General as I knew it was a scam, I was told I could do whatever I wanted, followed by "I don't know why you people take out loans, then don't pay them back, and then won't let us help you." Things got a bit heated then and I got hung up on. So, I called back, talked with another person (by the way, people from Sturgis, South Dakota, don't tend to have a southern accent) who told me that the file had been marked "refused" and that it would go to their legal department. And that they did not have a call list and that once their "legal department" started proceedings, I would quit receiving calls. Of course, after I hung up, I wanted to ask the woman on the phone why her type of people thought that scamming people for a living was a worthy profession, but whatever. I just got home and found another voicemail message from the same number.
I've been through the collections nightmare for bills because of huge medical bills. I know what I owe and what I don't owe. And even if something happens and I can't pay on time, I'm certainly not going to let something sit out there for five years and then deny that I ever owed it.