He indicated that I had taken an online payday loan out with them and I intentionally frauded them by not making payments and suggested that I would be serving a 9 month or more jail time, the inability to borrow money from any financial institution and ruin my credit.

When I asked him about the loan and indicated that I had not taken a loan he suggested that I pay the balance in full or a warrant would be issued for me. The balance was over $6,000.

I asked his name and he said it was Neil Johnson and he was from the American Law Division. I asked for a phone number and hung up, but not before reminding me that he was doing me the favor and that I would be going to jail. He was good though because he even had a case number. Scary that he had my social security number as well.