Again another number calling saying I owe money on a loan that I didn't take out! The calling areas range from Georgia, California, Massachusetts, I have learned that they use voice over ip and are  sitting at a computer in  a foreign country trying to rip people off by bogus threats of lawsuits, prison time etc. all this on a bogus $300.00 LOAN! THEY END BY TELLING YOU TO HAVE YOUR LAWYER CALL.  News channel 4 in our state just did a report on this scam. Again beware heavy eastern accents.