Best report
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Apr 16, 2015
I have received TOO MANY of these calls over a period of YEARS. This is the old Payday Loan collection scam. Your information has been fraudulently obtained or bought. Chances are, at some point, you applied for some type of online loan. It may have been years ago, even so far back that you don't even remember. Eventually, even if you never actually took out a loan, you'll start getting these calls. It's a scam. You cannot be arrested, imprisoned or otherwise strung up by the ankles for a bad debt. A bad debt does not equal a bad check. Bad checks would be processed through your local court as a crime, and only if you actually WROTE a check that was insufficient. Even then, businesses are typically required to wait a period such as 10 days before they file charges against you. These folks prey on the unknowing individual, in the hopes of snagging someone that they can actually frighten into paying. Simply put, you are not in any legal trouble. Just don't answer the phone, or better yet, block their number. You can also report this type of fraud to your local police, your State Attorney General's Office, your State Financial Regulation Bureau, and to the Federal Consumer Protection Bureau.