claiming i took out payday loan on date I know I Didnt, when I asked certain details he would become upset and threaten me with court and garnishments, he was very aggitated, i asked for a couple days to check records, he refused to give me time...

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

?is seeking payment on a debt for a loan you do not recognize;
?refuses to give you a mailing address or phone number;
?asks you for personal financial or sensitive information; or
?exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:

?Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.?Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
?Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
?Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
?Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.

http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

I also got a phone call repeatedly asking me to settle a debt that I had paid over 2 years ago. The same "Mr. Johnson" picked up and answered voicemail. When I asked to speak to supervisor or get a letter from his "company" he flat out stated that his company does not do that. Supposedly he works for BMG group.

A man by the name of "Mr. Johnson" called me at 678-869-0411 and said to call him back at 678-869-0411 and did say who he works for nor what the call was in reference to. I have received several of these calls before and have determined that they are debt collectors trying to get information from me about someone I may know who owes them money.

They have been calling and harrassing me stating they are trying to garnish my wages and take me to court, when I asked what this was about they wouldn't give me a reason. They also called me at 5:20 in the morning, not sure what legit bill collector does that?

This is from "Cumberland County Courier services" stating they have legal documents to serve me advised i would be served at home  and if not available there would be served at work and a supervisor would need to be present."  this is a scam.

1. Any paperwork in my state is never subcontracted out to outside process servers, only court certified process servers serve summonses for civil law suits.

2.  No one would call you to tell you they are coming to serve you.

3.  This is a Georgia #, not a Maine #.

I will not respond to these types of threats  unfortunately when they call they call on a unpublished # and then give this number for you to call the "plaintiff"