got a call from this number saying I didn't pay back a payday loan and I would be arrested in the morning called the police in my town and they said this is a scam
Their calling me day and night non stop and it's past annoying, how do I get these calls to stop? Can these people really sue me if there's nothing really owed. Please somebody inform me something.
I suggest you educate yourself about your rights under the Fair Debt Collection Practices Act. Google FDCPA. If you talk to them again, insist they give you their mailing address so you can mail them a certified debt validation letter, or if you are sure you don't owe the debt, a cease and desist letter. I'll bet they refuse to give you their address. Sure sign of a scam. It is also illegal for them to threaten legal action if they don't intend to take such action. Of course you can also see if you can block the number. Good luck.