I have had experience with same type of threats. Please call attorney general and FDCPA at 18773824357 to file a complaint. I have an attorney assisting me with another collection agency that also violated my consumer rights who I am also giving this information. Company threatened with check fraud..I am going to be arrested...I am pretty sure regarding payday loan as the man I spoke to at FDCPA said this is what these collection agency's are telling people and it's a violation!
This number keeps harassing me about writing some check over state lines...I have NEVER written a check over state lines and haven't had a checking account since 2007. This is the second call I have gotten from New York and the first one was a registered scam as well. I called my local state police but they said nothing can really be done about it. My silly mom kept taking the time to actually talk to her. I kept telling her it was a scam and to stop giving her information. Even if the claim was legit, it is illegal that the person on the line was discussing the issue with my mother. I took the phone from her and pressed end. Annoying people. So sad that some people are actually stupid or naive enough to fall for this sort of thing. Thank goodness I know better and look up every phone number from these sort of calls on the net while I'm on the line with them.