Have you ever had a payday loan?
I got the call and answered by accident and said they are transferring the account to my county for a warrant for my arrest

They left an automated message with no identification.  Just said to call them back for an urgent matter and to have a great morning.  No payday loans.  Think it's BS.  Scam.

They called me and said if I or my attorney don't respond quickly I waive my legal rights?? Caller I'D says legal services

American man answers wont say who his company is where they are located  it is against the law to threaten not send correspondence and not identify yourself when trying to collect a debt report these people to your state attorney generals office!