What happened is the scammer sent the number of the real 911 call center to your CallerID so that it would appear that they were calling from the real 911 call center when in fact they could be calling from anywhere on the planet. This is called spoofing https://en.wikipedia.org/wiki/Caller_ID_spoofing

I am so sorry they have you so afraid.  They also called me and told me they are sending the police to my job.  I am also a single mother of 3.  They prey on us and the elderly.  Please do not send these people money, it's a scam.  If you pressure them back with questions, they will hang up on you.  They even gave me a person that was suppose to be their lawyer and I contacted the lawyer and she told me please do not give them money and they had not tied to her.  I asked them for a letter from their lawyer and the letter they sent was full of grammar errors and they even spell the lawyer and (get this) their name wrong.  Good Luck.

I received a call from this number from a lady (who could barely speak English) stating her name was Deputy Alice Watson.  She said I owed money and they were trying to settle by close of business today,and if I did not give her my personal information, she would send the police to my job and have me arrested.  I asked her for certain information (i.e. telephone number, fax number, email address, supervisor), and she said she could only give me her telephone number, which was the 410-629-5968. As I continue asking her and pressuring her for her information, she aburptly hung the phone up.

Tuesday morning as we were going though South Carolina I received an Emergency 911 call.   I was in what I call a "dead area"--meaning I was in an area where I couldn't get a signal.   But the phone was sayin EMERGENCY CALL.   It was a foreigner saying something about an un-paid on-line account on a payday loan.  It HAD to be paid or they'd file a police report and I'd be arrested.  I called the # back and it was to the real Emergency 911.  I explained the situation to  the lady.  I wanted a land-line # to file a complain.  She said that there was nothing that they or I could do about it.  I have NEVER heard of them calling using the E911#.    Is there anybody else that has heard of this happening?

KEEP GETTING CALLS FROM THIS CHRISTINE JOHNSON STATING IM GOING TO BE ARRESTED FOR FRAUD ON A LOAN, DONT HAVE ANY LOANS AND LOANS I DID HAVE ARE PAID. DO NOT ANSWER THESE CALLS FROM WHAT IM READING ITS A SCAM!!!!!!! STATEDTHATSHE WAS FEDERAL CLAIMS COURT. SINCE WHEN DO OFFICERS CALL YOU TO TELL YOU THAT THERE IS A WARRANT FOR YOU ARREST. LAST I KNEW THEY JUST SHOW UP. LIKE I STATED ITS A SCAM!!!!

I got a call today from this number to call them.  Claiming to be a Michelle Norris of NCPD...  . Said I had a fraud check.. Issued.. Wrong... and it is a laugh......
I dont write checks except to my local church and they have NEVER bounced.

I generally don't do business with people that can't speak English ...so why would a foreign..NON ENGLISH Speaking jerk/jerkette call and try to squeeze money out of me...?  I am not sure.,.. but I called and notified my local police and will file as many complaints against them as possible..    and BLOCK their NUMBER from my phone...  and IGNORE them...
It is Harrassment and also a verbal threat to me....  
I'm not sure the IRS can do anything with this info but would be worth a try...
One thing for sure GOD has their number and you know .... HE IS NOT OBLIGATED to let them keep breathing his air either..

Its a scam! I googled the # and then called the state police, local police and all courts surrounding me. They have nothing with my name or my fiance's name for a warrant. The state of maryland has gotten calls about this number before. If u cant get it in writing through mail...its fake! Pull ur credit report too. Nothing shows up. There is no michelle morris, no jennifer lack..they are all false names!!!!!

Called my phone looking for my fiance saying that he is being looked for by the police for fraud. Gave me two numbers to call but all i have talked to is women wo sound like they are from india or around there. I can barely understand them.

This is an offshore payday loan debt collection extortion scam that has been going on for at least five years. The FBI is aware of it but is unable to go after those involved due to lack of money and manpower. I looked back and found some old information which may prove to be helpful:

They obtained your information through Teletrack:

Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:

http://800notes.com/Phone.aspx/1-631-456-4041/2

I have been receiving phone calls from this group since late April / early May of 2010.  There is a good chance that they also attempted to contact me roughly two years ago before I entered into Chapter 7 Bankruptcy protection, as I faintly remember hearing the same script more or less.

As others have stated, the callers are difficult to understand.  Generally speaking their command of the English language is quite poor and their accents are hard to follow. At times they will get certain words or phrases mixed up.  It would be funny if it wasn't for the fact that they had:

a) Your SSN
b) Your home address
c) Your work address
d) Your banking info
e) Names, numbers and potentially the addresses of "references"
f) A complete and total lack of ethics and a basic understanding of the FDCPA.  

I have personally filed reports with the following agencies, often with limited (if any) success:

Local Police
my state's Attorney General's office
FTC
FBI
Secret Service

Generally the local police won't be able to help much.  The callers are using a combination of prepaid cell phones and VoIP, making them difficult to trace.  Also at their disposal are various spoofing tactics being implemented to catch people off guard - meaning the number that appears on your Caller ID isn't the number that is calling you for starters.  Without gaining a subpoena for the billing information for the numbers in question, the local police won't be able to get very far.  

My state's Attorney General's office couldn't offer much assistance either.  I received a form letter in the mail that my complaint was received and I would be contacted if they needed additional info.  It was more or less the same information I obtained from the FTC.  They each advised me not to give the individuals over the phone any account information or to authorize payment.  That's just common sense, though.

I never got anything from the FBI, either.  There is a good chance that since I haven't suffered a monetary loss that my concerns are low on the totem pole.  I hate to say this, but that is truly the case. Unless you were in the hole for a $1,000 (or more) you aren't going to get much more than "sorry to hear about your situation, change your phone number and move on".  I seemed to get some activity from the Secret Service.  I spoke with agent Doug Zloto. (Google him, referencing threads like these plus his name and you'll find his number also)  He seemed to care a bit more than the average person, but after giving him access to my Google Voice account, there has been no further activity from him that I'm aware of.

In the meantime I changed the wireless number the fraudsters had access to, they have no direct way to get a hold of me.  (Calls at work have ceased for some reason)  That in turn resulted in my "references" getting phone calls from the crooks.  Here is a word of caution for women that have been getting these calls - don't say anything and just hang up.  The callers are quite abusive towards women callers.  Why?  Possibly the culture.  If they are Indian / Pakistani, women are second class citizens there.  You will be treated like garbage.  This happened to a family member when she was trying her best to be extremely nice over the phone.  

The callers currently attempt to reach me through the female family member and an unused Google Voice number that they managed to find of mine.  I keep the Google Voice number open because, well, I can't delete it yet.  So, about every day, 4-5 times a day for the last week, I get voice messages from them.  It's usually just two full messages though - the other calls are broken up with static or they are attempts to read the script until the callers then screw up.  Really, they are that adamant on getting the script 100% that they will hang up mid-sentence and call back 30 seconds later.  

At this point it's a stalemate with these people.  

1) While they have the lion's share of information on us, they can't really do anything with this information.  

Why?  Think about it.

If they were to ever take funds out of your account without authorization, it's fraud and worse (for them) it is traceable.  That's why they won't do anything with your information, contrary to threats they make.  The money from your account has to go somewhere, and either your bank or a law enforcement agency can determine where the money was routed.  As a bank customer you are protected - you'd get the stolen money back in your account after 7-10 business days and the bank would be temporarily out the funds deducted from your account while they conducted their investigation.  The bank, along with law enforcement, would track down the fraudsters and apprehend them.  The fraudsters do not want to incur the wrath of a bank, just extort money out of you.  Remember that.    

Your authorization would absolve the bank from any and all liability, leaving you holding the bag.  Never give them authorization for anything - for all you know the call is recorded.  

2) We have no information on them.

Seriously, this has been going on at least since 2008, possibly longer than that based on some accounts. (6 years??? Holy crap!)  You would think someone would have slipped up by now.  Sadly, they haven't.  We can continue to grow our own intel on them and compile lists of aliases and phone numbers used, along with paraphrases of scripts used in order to educate other victims.  I'm actually putting together a site now in the meantime where I'll host audio files and lists of previous numbers used.  800notes.com is great, but no two calls are exactly the same.  It would be nice to have a site dedicated to the scam and how it works.

So that's where I am with these calls.  I have suffered no monetary loss, though I have been harassed both at home and at work.  They threaten me with arrest and other "fun" things in order to get me convinced I have to pay them.  My friends and family have been targeted and local and federal law enforcement agencies haven't been able to put a stop to things.  So, it is what it is.  I am out a wireless phone number I had for roughly six years, which is terrible since I was using that line when looking for a new job.  

Whenever I'm bored I spoof my number using Google Voice and return the calls.  I've called them the poster children for birth control, etc.  Basically a lot of nasty things that I'm sure the moderators here wouldn't appreciate me repeating - bottom line nothing nice.  I always like to close saying their parents must be real proud knowing their sons weren't man enough to get real jobs.  That usually gets a decent response.  

Way I see it - they can't do anything to me. (Despite a threat yesterday that my life would be f'ed up)  They can threaten all they want but my credit is frozen and my bank information has changed.  I've changed the only number they could really access me directly on and I've instructed my employer and family to not answer the calls.  I just call and harass them now when I find a few extra seconds.  What's the worst they can do to me?  Charge me with harassment?  

Nope, then they would have to identify themselves.

Oh, and don't bother contacting Cashnet USA about the calls.  Their "fraud" department could honestly care less.  Their "investigation" is merely a means of buerocratic CYA.  I would even be surprised at this point if actual law enforcement is involved in any shape, way or form at this time.  

There is a good chance that the information these crooks have on us was obtained from Cashnet USA - either from a database leak or from a collector that was once authorized by Cashnet to call on delinquent customers.  The other chance is they have access to Teletrack, and pulled all of our information off of there.

http://800notes.com/Phone.aspx/1-646-274-1143/3

For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:

United Legal Processing Division
Midline Marketing
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General?s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)

You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.  

Who are they?

In the past when pressed by law enforcement for an address, the callers have provided the following information:

David Morgan and Associates
Morgan & Associates
Morgan Associates
954-727-8481
1155 Northwest 85th Street
Wintergarden, Florida  33150
(Address is likely invalid)

The collector's MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:

http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htm
http://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdf

They have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.  

The last time this group went by any "official" name was back in 2008:

Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone:  800-928-3536 / (904) 928-3536
(Address is likely invalid)

There are NUMEROUS consumer alerts out against this group of individuals:

Florida:
http://jacksonville.com/tu-online/stories/061107/met_176207561.shtml

Kansas:  
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html

Colorado:  
http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:
http://www.wvago.gov/internetloanscam.cfm

Missouri:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.  

"..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.

Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."

Bottom line:

Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond.  Look up the local Secret Service branch's information in your area and get in contact with an agent there.  

If you ever applied for a cash advance online, your information is out there.  
Possible sources for the breach of your privacy are:

* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time.

* The scammers created their own fake payday loan application site.  People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.  

* The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.  


How to protect yourself:

* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.  

* Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.

Be advised - any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard.

* Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.  

Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)

The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.

1-201-244-7722
1-209-349-7382
1-209-797-2212
1-212-500-0839
1-213-256-0408
1-213-995-3039
1-281-763-0433
1-347-289-3902
1-347-844-6817
1-347-844-6831
1-424-354-4270
1-516-232-8905
1-516-232-8935
1-518-212-0219
1-561-300-8018
1-561-210-4185
1-626-200-4646
1-631-456-4041
1-646-274-1143
1-646-810-8635
1-650-241-4604
1-707-401-4056
1-707-633-2789
1-708-401-0535
1-716-442-2824
1-717-862-4080
1-718-705-8669
1-760-514-0132
1-760-563-5384
1-772-318-4938
1-850-201-1111
1-858-777-1977
1-859-908-2281
1-866-860-4509
1-877-226-7488
1-888-706-7463
1-888-771-9249
1-888-785-4479
1-909-327-4870

So can they really do anything to you?

It's not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.  

So, why haven't they?  

Authorization.  

Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.

Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.  

Bottom line:

If you haven't paid the callers a dime, don't.  If you planned on paying them to shut them up, just don't.  Remember - you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.

PS--The FBI sent out a Press Release on this scam just last week:

Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

? filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim?s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims? relatives, friends, and employers.

Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.

If you receive these calls, do not follow the caller?s instructions. Rather, you should:

Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:

Never give your Social Security number?or personal information of any kind?over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements

http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710

http://800notes.com/Phone.aspx/1-951-489-0227

Just received a call from a "Jenny" who is going to have a deputy arrest me at my job, etc. etc. Foreign accent - total fraud.

Collectors cannot refuse to deal directly with you by law. The law says that if you have an attorney and ask the collector to deal with your attorney directly, the law requires the collector to do so. However, if you don't have an attorney, the collector must deal with you directly. Legit collectors per section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for them, the FDCPA requires collectors to provide them), treat the collector like you would any SCAMMER. In this case, your caller is a SCAMMER. Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.

Received a call from these people.  I returned the call only to get a voice mail.  They proceeded to call my boss and tell him that they had fraud charges against and they would be sending someone to arrest me at work.  I returned the call again and told them to send me documentation of the debt and the name and amount.  They refused to send me anything and only deal with my attorney.

I got a call from a a Emergency 911 number today stating I had one last chance to contact Deputy Jenny or they were sending thier car to come get me. They lady was foreign and said to call 410-629-5968 ext 681 for my LAST CHANCE. This kind of freaks me out but I feel after reading these post  I feel a little better.

Thank you again for your advice. I was really gettine nervous and everything. I know I will be super nervous today. However, wehn I went on my lunch break yesterday, I called my local police department to see if they had any "warrants" out for me, and the local police could not find anything . I also tried calling the county sherriff and county courts office. I would have had to go up there in person and show ID for them to look that info up and see if I had any warrants out for me. I remember in the past that I had the same thing happen, and I ended up not falling for it and everything was ok. These people DID call me yesterday afternoon and left me a message again saying that I could pay $500 if I paid yesterday, but it would be $706 if I paid today, and that would be the first of 3 payments I would have to make. I had to pay $800 on a loan that I took out last year that defaulted in October, and I never got threatened with jail or anything. I DID have a law office call me though, and I am in the process of getting that sorted out. Thanks again for your advice.

"I would be watched very carefully" is complete nonsense. Watching somebody is *very* expensive and no lender in his right mind will send someone to watch a borrower who's late on a small loan. That's just another idle threat to scare you.
Get a voice recorder and record the conversation the next time he calls. Tell him you went to the police and the police told you to tape him. Do not ask for his agreement to be taped but inform him assertively that he is being taped and if he doesn't want to be taped, he should hang up now (make sure it's running when you say this to him because the laws in your state may require it and you need to be able to prove you did tell him). If he stays on the line, get as much info as you can on tape, then take it to the police and ask them what they think. If he continues to harass you, blow his ears off with a whistle, air horn or smoke alarm.
Beware defaulted loans will continue to rack up interest and late fees which are huge for payday-type loans. $100 borrowed for a year at $15 interest every 2 weeks turns into 100+15*52/2=$490 after 1 year and that's just the interest alone, late fees are a bunch more. Remember you cannot borrow your way out of debt.

Hello. Thanks for responding to my message. I have been SO nervous since the phone call on Halloween. As I stated in my message, the people that I spoke to (one woman then she turned me over to a guy {agent/officer Harris}  ) sounded like they had somewhat of an Asian accent. I remember a different lady with an asian accent answering the phone saying FCC and something after that, but I couldn't understand her. Anyway, the guy that I spoke to (Harris) said that if I didn't come up with $750 by Friday morning at 11:00 EST , then he would proceed with the Mississippi state police and go forth with charges , etc etc leading up to and including $15,000 in fines and up to 8-10 years in prison. I am a  single parent and cannot afford to ahve this happen, much less afford a lawyer to help me with this. All they told me was that it was from CASH 500 , and I told them that I had never taken a loan from them online. I did take 2 loans out online, I don't think that the 2 companies that I took a loan from (even though I am not finished paying them off yet) would go so quickly to put me in jail. I took the loans out like in May of this year. I took out a loan last April (2010) in a different state, and it didn't go into default until October of last year, SO I am hoping and praying that this Mr. Harris is not for real. My mom and I were going out today, and I was SO nervous backing otu of the driveway today, because I remember Mr. Harris telling me that between now and Friday, "I would be watched very carefully" .  Any other helpful suggestions ? I know a while back someone called me with an asian accent saying the same thing, and I called my local PD and the county court and they could not find anything on me. Please feel free to give me any other advice or input you might have.

You must first determine if this is a legit or scam phone call. Based on what others have posted above, I'd say this is a scam call. Scammers have bought/stolen personal borrower data from payday loan companies so they can be quite believable when they call up and recite your SSN. The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710  The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"  Several flavors of threats have been used as scams evolve -- send a process server or officer to your workplace, arrest, jail, etc. BTW, debtors rarely get jail nowadays, you have to have done something really bad to get jailed. I suggest you call his bluff and tell him to bring it on. If you owe debt, read up on the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf so you know what to expect when a real debt collector calls. Best of luck.

I received a call from this  number this afternoon from a woman with an accent that sounded somewhat asian. So I called back, then told her I could not talk because I was at work, so she told me to call back after I got off. needless to say , I DID call back, and that she told me that I had a lawsuit against me about online loans, and transfered me to a John Harris, and he told me that if I did NOT come up with a certain amount by Friday, then he would tell the mississippi state police to proceed with the charges, and therefore come arrest me with up to 8 years imprisonment, and $15,000 in fines, etc. Anyone that can help me with this ?

I recieved a phone call from Captain John Harris from this number.  Stating I owed money from an unpaid debt.  Then later got a phone call showing up Emergency 911,  she said I needed to call this guy back, her number 630-909-9741, and she was working for the state of Indiana,  They are working together and I have decided that if it was real and there was a warrant out no one would call you and tell you that, they would show up on your door step.  So I am waiting for them to come and get me!  Don't pay these people a dime!

They called me and told me there is a warrant out for my arrest for not paying a loan.  I don't ever recall getting a loan with anyone.  I think it's a scam!

I received a call today from this number from a man by the name of Allen Hale. He said that I needed to call him back to settle some debt. I know I dont have a debt with his company because all of my debts have been paid. Has to be a scam of some sort.

I received a call from someone named anna white claiming to be with the nypd. She said that I had tajen out an online loan and didnt repay. Then then said that legal action are pending and that i should get in touch with my attorney. She had a foreign accent. I dont intend on calling her back.

My father received a call from this number from an Alice White anda Michelle Morris. They told him that if they did not receive a faxed letter then they would serve him. I told him per the FDCPA Regulations, to request an itemized statement from them.

Got a call from someone named Anna White stating that I had an online loan that I did not repay and legal action would be started against me.  I have been a victim of these scams before and have no intention of calling them back or entertaining this stuff.