They said they were arnold smith and associates and i owed 600 some dollars from ace cash advance from 2008, and i had 1 hour to pay before a felony warrent was issued for my arrest! Theysaid I have three charges agianst me, check fraud, utter worthless checks, and stolen funds. I did take a loan out, but I don't think it was for that amount. They had my social security # and all my addresses. I am freaked out.