Update: They are evidently Smith, Dean and Associates out of Jacksonville, FL. If they try to tell you that they will have you arrested for a pay day loan default, tell them to check Florida Statutes which not only say the state will not prosecute, but specifically prohibits the industry from saying the State Attorney will prosecute if the check isn't picked up. If they try to tell you this, ask them to hold while you bring on the local State Attorney's office and then have them repeat this threat. Also if you get a call from these people, tell them that you are recording the call and then do it.