Called 9 times in a row.  Finally left message and to sum it up, the content was a scam that's been around for a few years now and he had a heavy middle eastern accent but was named Michael Smith.  These guys to machines that make it look like they're calling from a legit area code with in the US.  Then threaten to have the police or someone arrest you because you have a payday loan or something like that due.  They can't do anything to you and you should never answer or call them back.  It's a huge scam, that was featured on NBC news. Never give them any of your credit card or banking info.  Always ask for a written letter detailing who the debt is owed to and what is the amount.  If they won't provide that then they aren't a legit debt collector.