Claimed i refused to pay a bill they sent me and they have been sending me emails to an address i haven't use in 10 years. Claimed to be with an Arbitration company. Never heard of it or the supposed companies that i owed money. Told me to get a good lawyer i will need it and hung up. Called back and he hung up again. Very thick accent. Hard to understand.

If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

Got a call saying we took out a loan for 300$ back in 2012. Now we owe 590$ and our wages will get garnished and we will end up in court. We didn't even take out a payday loan. Very rude lady who barely speaks English. Wouldn't give me a number to EP Processing who we supposibly borrowed money from.

Did anything come of this? They are harassing me too

Foreign lady calling for someone I don't know, saying something about a debt and you have been warned the law will be coming for you. Obviously a crook and the law should be coming for them! Don't fall for it!