Someone called yesterday asking for me. He said it was regarding a law suit against me. Of course, I wasn't sure of what he was talking about. He did not give me further information, just that I needed to call Davis and Associates, the phone number and a case number. This morning, I thought it was weird not to receive anything in the mail, therefore I looked it up in the internet.
He called my called my neighbor on Memorial Day, and told them he was an atty. Gave me a case number. Said he had a court oder to be served by the sheriff. It was in regards to an out of country civil complaint.
Legit collectors per section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for them, the FDCPA requires collectors to provide them), treat the collector like you would any SCAMMER. 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.
They will claim you owe a debt, perhaps even committed fraud, and will want you to pay them immediately with a credit/debit card. It's likely a scam, read my reply to lcdoor above.