Please do not fall for these threats.  Ask for validation of the debt, proof of any payday loan because this company uses  information that consumers place on a "pay day loan" site that is actually a phishing site for private information.  Check with your state Attorney General office because if legal action is threatened and they are a valid collection company, they must pursue legal actions.  Also, any collection company must provide proof of the debt if requested.

They threatened to call references and I don't even know how they got them.  I am turning the information over to the authorities.  Don't fall for this it is a lie.  When I attempted to call them back after calling them onto the carpet they got mad and wouldn't answer my phone calls.  Instead they threatened to  call my job and my references.  I haven't applied for a payday loan so I am not sure how they got references.  Don't get taken in by this.