It's a collection agency, probably for payday loans bc they said check fraud on their message they left. I used to work for a company that used an almost identical script. One collector would call and claim to be a process server in the debtors area, with a criminal summons for check fraud, tell them the company instructed me to give then one chance to call and talk to them. Meanwhile I was in a completely different state and they would call in the same place i had called from and the person next to would answer so they didn't hear my voice again. After talking to a close friend with years of reputable collections experience, I found out every single thing we said and did was illegal, and I could be charged criminally, not just the company. I quit the next day and never went back. Half the time the accounts we would collect on would have no record besides loan amount, name and ssn, so we were collecting on bills that we couldn't even tell if they ha already been paid. Because they were 5-7 years old most people couldn't even remember if they had paid or not. It works well because their using scare tactics. Most people do not know the laws for bill collecting an ld are so scared they pay no matter what. It is all illegal, especially saying check fraud or implying criminal charges.  The commonly I worked for eventually was brought up in charges in a large sting of local companies using the same tactics. So glad I quit. Although I applied for unemployment to help me until I could find a new job an said I was unwilling to break the law for work and New York State denied me for quitting continuing work, they didn't care that I was being forced to break law ( you HAD to follow that script exactly or you would be fired) which was absolutely crap. Anyways, just be careful people. Real bill collectors won't threaten you in anyway, real ones will send copies if the bill, and will say upfront it is a ln attempt to collect a debt and they will never say check fraud or that their a fraud dept investigator in your area or a process server. I hope by sharing this, it helps someone to stay safe from being ripped off. Anyone who already has please file complaints with your states attorney general and the FBI.