Person on the other end of the phone claims to represent a vaguely-named company called Legal Services out of Spokane, WA- curiously calling from a south NJ area code. It's the all-too-typical garbage that's plentiful these days- representing a client, suing for an unpaid payday loan, "why haven't you received the court summons in the mail because we're taking you to court!!!", blah blah blah. I get calls from different "companies" about this once a week despite it having been paid in full years ago. Don't believe it- the threats are false, all they want to do is get you to pay money you surely don't owe (and if you owe it, you don't owe it to these people).