this is a scam  a man with an indian accent claims i have criminal charges for a payday loan i never has,  this happened to me last week  different number and different state.  its a scam

THIS  IS ABSOLUTELY A SCAM THE SAME MESSAGE AND THE SAME RECORDING IS ON EVERY VOICE MAIL THAT THEY LEAVE. THEY JUST HAVE DIFFERENT CITY AND STATES THEY CALL FROM. PLEASE DO NOT FALL FOR THIS TRICK IF YOU THINK THAT THIS CALL IS A FRAUD TO SWINDLE MONEY OUT OF YOU, THEN BINGO YOU GUESSED CORRECTLY. BUT, IF YOU GIVE THEM YOUR INFORMATION YOU MAY BECOME A VICTIM TO FRAUDULENT CHARGES AS WELL AS PUT YOURSELF THROUGH A WHOLE LOT OF UNECCESARY BILLS!!!!!! THESE PEOPLE NEED TO GET A FREAKING LIFE AND OR A CLUE!!!!!!!!!!!! SHAME ON YOU INDIA!!!!!!!!!!!

One of many debt collector scams from an individual with East Indian/Middle Eastern accent

This sounds like extortion dressed as debt collection. The agents' horrid threats are empty and their conduct is illegal. As early as possible it's critical to determine if your collector is domestic or yet another South Asian faker. The former you can sue into submission; the latter tend to be out of reach.

My notes from October 2011 on payday loan and "hot check" collectors are linked below.
http://800notes.com/forum/ta-429fb24ec2162e3/ ... -numbers-here-2

FTC alert: Who's Calling? That Debt Collector Could Be a Fake
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm

The following will be useful if you have a US domestic collector calling:

official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
http://www.ftc.gov/os/statutes/fdcpajump.shtm

CFPB reiteration of the Fair Debt Collection Practices Act
http://www.consumerfinance.gov/guidance/supervision/manual/fdcpa-narrative/

Called the number back after googling it - I asked specifically for James who left the VM.  When I notified him that this was a scam and that I would have my attorney contact him and I would file charges for harassment, he hung up on me. Hopefully now that I have called them out, they will leave me alone.  DO NOT PAY THEM ANY MONEY - they are a SCAM!!!