Be mindful here folks, when you applied for these payday laons you filled out a references list which often includes those closest to you. Make sure you understand that your not paying this debt has brought this attention to your door and nothing else. The inclusion of people calling your parents and then saying they have nothing to do with the payday loan is false and a lie, YOU included them by adding their phone numbers to your contact list. That is part of the business model. Also many of the people you use in this capacity are generally prying and all about knowing about your "juicy" business and will trying to get it out of the collector. If they disclose what this is about in ANY way, that is a 3rd
party disclosure and a violation of your basic rights as a consumer under the FDCPA. The most I have ever said to a 3rd party is "This is in regard to a serious Personal Matter and I cannot disclose further without violating federal law" if the 3rd party continues any questioning I ask them "Are you asking me to violate Federal Laws?" if they continue after that, I hang up. Simple. That is a moral way of doing it in compliance with FDCPA.
They are not changing their names, they are executing a industry standard "Double Up" which is where they pass the call off to a supervisor and have them firm up demands of the client, There is no trickery here, it is a new voice to make things sound more official.
You are laughable. You need to evolve some to be a good collector these days you need to "work with" them and not try these Gestapo tactics. This post is by a collector who thinks by showing he/she went through this (which is entirely fictitious) they will make more people pay. Such a waste of my air. This kinda [***] is what gives us real collectors bad names.