Calls and says they are john smith but has very thick middle eastern accent. Says i have outstanding payday loan  ( i dont) and they are pressing criminal charges against me if i do not pay today. they refused to provide me with written documents. They also say if i pay today by western union they will drop the charges. If you get a call like this ignore it. An "attorney" cannot press criminal charges. They are a scam service tryign to scare you by threating you with jail. When they told me the police would be here in a minute i told them OMG they are already here ill tell them you said hi ( i work at a police department). They still call every 3 or four days though.