My granddaughter answered my phone while I was out (8/8/11) and heard a recording that said I owed a payday loan and the recording had derogatory comments about me.  She was shocked and hung up.  I called the number when I got home to be greeted by a crazed person who said he was Officer John Adams.  He screamed at me, threatening me with jail for stealing money.  I asked (had to do it over top of his bellows)for an explanation and was told I owed a payday loan and he was going to put me in jail.  He demanded twice to know : "Are you home now?  Are you home now?"  He refused to tell me when I took out  the alleged loan, in what amount, from whom, etc.  He didn't even demand paynent for this alleged debt he refused to verify.  His sole intent was to threaten and abuse me.  I asked him what he was an officer of, to which he replied he was an officer of collections and had been doing it for  a long time.  He then said he was a policeman for 25 years in Dallas County, Iowa.  I called the Dallas County Sheriff's Department to report him for impersonating an officer and was told they had never heard of an officer John Adams.