These are scam artists.  Do not listen to them.  First of all you will ask them for  a debt validation letter.  They will give you some PO Box.  Demand their physical address for the "your attorney" whether you have one or not.  You could be in process of getting one for all they know.  They will talk over you. They will talk fast and loud.  This is the intimidation procedure.  They will convince you that you have a criminal bench warrant.  They can do no such thing.  If you can get an actual physical address report them to the attorney general, the FBI, and Internet crimes unit.  They will never give you a physical address.  Many times when attorneys try to go after these scammers, the address is bogus and a hole in the road.  Doesn't exist. They get many unsuspecting people this way.  Don't be one of them.  If they do not send you a debt validation letter then do not believe anything they say.  I had one send me a computer generated debt validation letter. I showed it to the attorney and he said it had scam written all over it. Ex.  USB mediations 2809 Wherle Dr., Suite #3, Williamsville, New York 14221 doesn not exist at all.  There is no Attorney Christopher House in the state of New York or New Jersey.  There is no paralegal by the name or Lori Richxxxxx.  Do not succumb to their scam. They can not take you to jail.