THIS IS A TOTAL SCAM!! Keep receiving harrasing phone calls from this India guy who uses a different name every time he calls. Same dude with a very heavy Indian accent. The message says that "I or my acting attorney had better return his phone call immediately". The number on my caller ID and the one he leaves on his voice message on my land line is 760-651-2368. In his message he states "this is time sensetive and I wish you good luck as the situation unfolds upon you". The name this dude leaves on my voice mail is Jeff Black.
When I returned the phone call he indentifies himself as Percy Jackson. So I asked, what is your real name, Jeff or Percy? I recognized the voice. I think it ticked him off that I figured out he was the same person using a different name. Anyway, I was informed that I own money on a payday loan. I had applied for one on line but never followed through with it. I canceled the transaction. I asked for the name of the loan company and the guy tells me Advance Cash America (this wasn't the company I initialy delt with).
I informed the dude that they were mistaken and I NEVER followed through with it and NEVER received a payday advance. By this time the conversation got very heated because he kept insiting that I was wrong and he was right. I asked for the law firm he works for...wouldn't answer me. HE hung up on me bacause I was so angry and yelling at him. He never got any banking information from me. I wasn't going to give that over the phone!! That's what stopped me from filling out the loan app on line in the first place! I tried dialing the number back and this dude would never return my call. Finally, I left a message on his voicemail that I would be reporting his phone number to the, BBB, FBI and my local police. Haven't had a call on my land line since. I'm probably on their "bad list" due to my threats of reporting them, so they never follow up. This all took place the week of December 12th 2010.
NOW a month later this same clown is calling my cell#. Same guy, same accent, same message...but this time his name is Brian Smith! I'm ignoring these phone calls. And have reported these guys to the proper authorities.

I also contacted a local credit officer and here is some infomation or red flags to watch for with this type of "SCAM".
1) A legit debt collection company would have a toll free number for clients to call. 2) The same person, using the same name, same phone number would be calling. 3) If you get angry and yell THEY don't hang up on you. Their job is to stick with the client to try to resolve the issue. 4) They wouldn't wait another month to try to collect a debt... they'd be calling EVERY DAY. 5) This debt collection company would show up on my credit report if this is a legit debt collection issue.
SO...watch out for these guys!