I received a calls from these people on July 14th leaving messages asking fro my legal representaion and to call bak at 415-200-0265. When I called back I spoke to a man who called himself Ryan Cruz (who spoke with an Indian accent)from the cyber crimes division of cashlaons.com He had my name, address, home and work numbers, and even the names of some of my friends, as well as my email address which he verified. He said that I had an outstanding payday loan balnace and that it is a crime to take money and not pay it back and that I had committed Check Fraud which is a Federal crime. I have had a few payday loans in the past that went sour, but I have since then taken care of them so I thought that maybe this is one I may have overlooked. He said I was going to be arrested at home or at work tomorrow and taken in front of the judge and unless I could afford bail money I would remian in jail unless we could stop the process from occuring with a payment of the outstanding balance of $1957.49 which he could drop down to a payment of $1000.00 At first I thought it was real, but the more questions I asked, the more this man became irate and could not answer my questions. He said I had to fax authorization of the payment to 714-845-0766 via debit / credit card as soon as possible or he could not stop what would happen to me. I almost fell for it but realized that any legitimate collection agency would not and cannot make threats of legal action concerning arrests and bail amounts. I told this man you are using a name of Ryan Cruz, sound like you are from Bombay, and expect people to believe this? I am not one to use profanity but I told this man to F**K off and if he ever tried this again he would get what is coming to him! He told me "well then I will put it in the warrant that you told me to F**k off sir", so I said it again and he hung up. A woman then called me from the same number 415-200-0265 no more than 10 minutes later (again with a heavy Indian accent) and said that she heard what I told Ryan Cruz and she was going to personally see that I get arrested. so I tols her to Get F**ked! She hung up. People Beware!!