I got a call from a place by the number of  (240) 645-0736 a few days before May-23-2009.  I was not available and they left a voice mail for me to call them.  As far as I know this was the first time they ever called me.  I didn’t call at first because it sounded like a prank phone call to me.  The message sounded like someone trying to pretend to be cereus and at the end said god bless you.  I had to play the voice mail about 3 times to figure out what the number was that he told me to call back on because I could barley understand what he was saying (he was not American and I had trouble trying to figure out what he was saying) I called back on May-23-2009 to find out what was going on.  I spoke to a guy named Shawn, I think he is also the same one who left the message on my voice mail.  I talked to him and he explained that he was over a case against me over a loan I got from a check cashing & loan Company called Fast Cash International in California.  As he was talking to me about it he said that he was giving my employer, (Masco RCG) formally (Mills pride) information about what they are going to do and information for when I have to go to Court and that he would be faxing them the papers sometime Tuesday morning.  I asked him where I would be going to court and he said somewhere in Ohio that he was not for sure.  I then told him that If it was to far away I would not be able to go and he said if I didn’t go I could loose my drivers license and be suspended from my job.  He made out like I was a huge criminal and was in deep trouble and that who knows what they will do to me in court and that they are pressing 3 different kinds of charges on me and that it was all in gods hands now.  He made it sound so bad that I was in fear for my life.  I then asked him, what are they going to do murder me? And he said I don’t know.    I then asked to speak to someone who spoke better English a little better so I could understand what this was all about a little better.  He transferred my call to a man named Dan Cruise.  I spoke to him about this and he said the same thing but in more detail and tried to scare me even more.  He asked me how much money I made and I said I’m guessing around $1500 a month right now because orders are down real bad at work, but I also told him that I was just guessing on that amount and I was not for sure.  He also mentioned that he was trying to get this matter resolved and asked me if I cared about what was going to happen to me or my family.  And that I didn’t just owe $ 745.45, but it raised with other fee’s to $1,477.44.  And that if it goes to court and they win that I could get sued for 7 to 9 thousand dollars.  I asked him for the number of the Company that I borrowed the money from so I could call and talk to them and he did not tell me so I asked him who I could speak to and try and make payment arangments and he said that he was the first and the last person that I could speak to about it.  I then offered a $100 a week or so much in a monthly payment until the $1,477.45 was paid in full and he said no that it was not going to work and split the bill in two and asked me if I could pay it in two payment one payment today and the other half next Saturday and I said I did not have that much money to pay it in two payments.  He then said well then how are you going to pay for a lawyer and that a lawyer would cost me around three thousand dollars.  He also mentioned in the conversation about what was going to happen if I didn’t pay and said how would you like to be in a dark room and kept going on and on about how I need to pay the money I owe and I asked him what was going to happen and he said that words can’t describe what they will do to me in court.  I said that I can not pay this amount in two payments and he said well then have fun in a dark room and hung up.  I then started looking in the phone book for lawyers and wrote a bunch of numbers down of lawyers around my area.  I called back that evening around 8 p.m. May-23-2009 and spoke to Shawn again, I told him that I was going to get a lawyer, but I could not look for one until Tuesday because of the holidays and he said good.  I mentioned that I would need a lawyer to go to court with me to try and make some type of payment arangments and he said No, that If I go to court it will be to late for any payment arguments and that either I would win the case or loose the case and that if I loose the case then god help me and that I could possible work for my employer for free for a certain amount and that I would be responsible for the rest on my own.  I then said I was going to get a lawyer and hung up.