Complaint Review: Advance Cash USA

A friend called me, very upset.  She had received a call at work, indicating I had committed internet fraud relative to a loan.  I called the number she had been given, was transferred to someone named Ricky Williams (heavy middle east accent), who began giving me information regarding a past address, email address and bank (all not current for 20 months).  He advised I had accepted a loan from Advance Cash USAand had not paid it back.  As this was not true, I began asking for proof and was advised he did not have to provide proof, but that I would need to hire an attorney and sue.  As this would cost me money, wouldn't it be easier to pay them back?  I again repeated his information was false, but he just kept telling me to hire an attorney. AND, that he was going to proceed with legal action against me.  I told him to go ahead, as I did not owe the money and could prove it with bank paperwork.  I further advised him that the actions of his company were illegal.

This seems to be a scam, with the goal of paying someone money in order to avoid hiring an attorney.