I received 2 calls from a company that said they were a debt mediator and were threatening garnishment and legal action if I did not pay a "cash payday loan" from over 8 years ago. I am in the finance business and knew immediately it was a scam. I asked him to tell me who the supposed debtor was that he was mediating with - he couldn't "divulge" that information to me. I asked him to email a copy of the supposed check that was a non pay to this "undivulged" company - he didn't have that either. I told him that I would not pay for something he couldn't prove to me was mine and I had a legal right to this information. He argued with me and tried to quote collection laws, but I said, you might want to re-read this because it really says "XYZ...".
He then backed off and said - "so you want me to put that you are refusing to pay"? I said, "No, you can put that until they can provide me with proof that I owe this, I will not be paying anyone anything". He hung up on me. My guess was that they are getting some sort of BK records in the public records arena as I truly did have a cash pay day loan that was included in the BK. When I told him that - he also started saying that Cash pay day loans are not included in BK according to the United State BK court - but I told him that he might want to recheck with HIS attorney and I know mine follows the law. Just sad that these people try to scare you into paying $ for things you do not owe.