Aug 27, 2015
Wishing "luck as the situation unfolds" has for several years been a staple of talkoff scripts used by (primarily) South Asian crooks collecting phantom and invalid debts, usually claiming an aged payday loan is overdue.
My notes from October 2011 on payday loan and "hot check" collectors are linked below.
Fake payday loan collection scams
http://800notes.com/forum/ta-429fb24ec2162e3/ ... -numbers-here-2
See also this FTC alert: "Fake Debt Collectors"
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection