TWSM
Southold,#2Consumer Comment
Mon, June 11, 2012
Take it easy, the entire thing is a scam.
Did you apply for a payday loan, refinance or something similar online? That is where they harvested your personal information. Now their tactic is to call you and bully you into paying them over the phone either by credit card, bank transfer, western union etc... it is all a scam.
Even if you owed them the money no one goes to debtors prison any more. No police will be called, no arrests will be made. Familiarize yourself with the Federal Fair Debt Collections act -- look it up online and know your rights. And when they call just spout it back at them. If they are legitimate debt collectors you have to be contacted by mail, proof of the debt has to be supplied, they aren't allowed to call you at work if you tell them not to -- there is a bunch of stuff.
Since they are just scam artists show them you wont be bullied (laughing in their face is a good tactic) and they will leave you alone. And think about what you can do to safeguard your personal information -- it definitely has been compromised.
Good luck!