Received call where she stated her name was Megan Reed and was from the American Legal Justice and they were filing a lawsuit against me for fraud and the police would be at my door tomorrow.  She screamed at me, called me nasty names and when I tried to interrupt her that made her even madder and she said I must be a Nigerian person because only "those" people are rude like I am being to her.... I was dumbfounded, had no clue what she was talking about said the law suit was for taking cash advances and payday loans in the amount of $150k.  I told her I have NEVER taken money from those two places.  What is scary is that she knew my email and my home address.  Of course when you call the # back it's not working.  When on the phone with her you can hear the other people calling like a call center.  I have never ever been insulted in my life by anyone as she has been.  I told her I was not Nigerian and asked if she was calling from India - that ticked her off even worse [her accent led me to ask that question].  She said that I was a bad person for doing this and frauding these companies, I can't even put into words the other names she called me.  She continued to to me to shut up when I asked questions and that I was rude for interrupting.  My mother was in her room which is on the other side of the house and she could hear her.  I'm going to call the police department, especially with this person having my home address......