Who called from 9852059983

left message on my home phone that they were gonna have me arrested either at home or my work place and if i needed more info to call some other number they left.  i didn't bother.  come and get me mofos lol.

985-205-9983    4432 College St, Bogalusa, LA, Bogalusa, LA
Land line, caller left message saying I have a complaint filed against me

Spoke with them for an hour. They are a legal agency for loan companies looking for repayment. Not sure if its a scam or not.

A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.

The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:

Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.   ["Written" means snailmailed - US Mail ... not emailed or texted]

Source:
https://www.consumer.ftc.gov/articles/0149-debt-collection

Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via Green Dot, MoneyGram, Western Union, prepaid gift card or other untraceable means, then the call is definitely not legitimate.

IF you wish to communicate with the supposed collector / creditor, visit  the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/

If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

~~~~~~~~
Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.

As Slim pointed out, a real debt collector will now send you a letter in the mail.  A scammer will not, and will make lots of excuses why they won't do it, such as "We aren't debt collectors, we are mediators, arbitrators, lawyers, etc and are not subject to the FDCPA" which is a false statement.  They also use the "We won't send any more letters because we sent out ___(fill in any random number) and they were ignored/returned".  Or the "We will give you all that information after you pay us", or "We will give you all that information in the papers when we serve you".  Both Federal and State governments have web sites put up with your tax dollars that will give you free information on how debt collection is supposed to work.  Take advantage of it, and learn what you should already know to prevent yourself from becoming the victim of a crime.  ©