Do NOT listen to what the foreign guy is saying they use the same script on ALOT of people and are trying to get your information they call me all the time with the same thing. They are in India using american numbers and tell people they need their attorney and wish them luck when they cannot arrest you they are across the country and love to threaten people . They get mad VERY easily the littlest thing ticks them off and they say some bad language and innappropriate saying. They say you being sued for a loan out in your name and say they have a warrant for your arrest just to scare you so they can make you western union them money or give them your card number. They have been calling me by MANY numbers and harrassing me at my job. Whatever you do , do not believe these East Indian speakers.