I must be the first lucky one :) I didn't answer so they left a threatening message that claims that they have a legal case against me (but don't address me by name) and that they will show up at my physical address to have me arrested and to call 714-294-2572. They close with "they will see me at the courthouse" Unbelievable that anyone would fall for this obvious scam!
I marked this as "Telemarketer" but I think it is far worse than that.
Camels are not known to be powerful swimmers, so I doubt that this female Indian scammer could meet you at any 'courthouse' in a civilized country until at least September, IF she and the humped beast survived the swim from India.
Alfalfa is generally correct. However, there are more considerations:
It's almost impossible that you would be arrested for debt issues. You can re-ceive or be served lawsuits, demand letters or other paperwork. Threatening with arrest is ultimately illegal under debt collection rulings.
A few years ago, I received some calls like this, but more professional. With some perseverance, I was connected to a "supervisor". I said that he had to pro-vide me with an address for his "home office", because it seemed most certain he was overseas. I informed him that I knew my rights and that they would have to provide written confirmation of the alleged debt. I added that these activities would have to be conducted in writing with his "home office". He ultimately gave me the address.
The debt was @ least 16 years past Statute of Limitations, but I didn't go into details on that. These people are known as "scavenger debt collectors". They "buy old paper" and prey on the ignorance of the debtor. I fell for this once.
I filed a letter discharging them under the FDCPA rules. Sample letters can be found on the web. See if the "Ben Dover" site is still running.
If the debt is current, you may still be able to discharge the collector and force the "original creditor" to the table for negotiations. That is best done w/ a lawyer's assistance.
In any event, don't do anything on the phone w/ these people except to get them to SEND THE PAPERWORK. If they are anywhere near legitimate, they will have your address and can mail it to you. I found it best to say to phone debt col-lectors, "SEND THE PAPERWORK AND YOU WILL BE DEALT WITH".
If you receive a lawsuit service, get to an attorney immediately. Failure to "ANSWER" can result in a default judgment against you, even if the matter can be easily defeated. Inattention can turn a garbage claim into a real claim. This is not legal advice, merely a revelation of experience; that includes having paid off a judgement.
If somebody can get any info on these people and pair up w/ that with using those outfits that sue excessive callers, that would be massive poetic justice.