You can now add 707-501-9249 to the list of scammers..

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

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

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

now they trying to say they work for a law firm of mckinies offices and their number is 707 501 9176

hey same thing happened to me and i been i touch with the places that i deal with too and they say that they havent done any thing like that and i never defaulted on any loans. ands when i called him back and went off on him he hung up and then i called again and now their not answering the phone.

They sounded very indain in speaking. I also have talk to the two places that i have doing business with and they also claim that they have not been in contact with any place like that.

someone from from mckineys law office called me saying that i had defaulted and i have never defaluted on any loans

They called me, they called my employer-- I called them back and told them I had reported them to the NAPA Police Department, he said you will not receive any more calls.  I am reporting them as a scammer.

i recently got a call from the same guy saying he was gonna have my social security number frozen and i could go to jail.he also threatened to contact the department of education. I am going to contact the fbi and see if i can help them make a sting to stop these people.Anyone wanting to help contact me at nockashima@yahoo.com the fbi are nottafied to monitor my emails so i suggest u be polite when contacting me and be serious. these people need to be stopped. they need to stop harassing innocent  people.

i received one call at work they left a message about a case against me and time sensitive and call back asap.  when i got home there was a "message also, but i looked their number up and read about the scam.  so i called them back and spoke to "stu" as i proceeded to curse him out and told him i was calling the police he cursed me back and hung up.  i called back "stu" was not happy i told him to stop calling my job and he proceeded to curse me and hung up.  i called again, lets just say i called him so many times he asked me to stop calling him.  so far no new calls.

I have received calls from these folks since October 19, 2011.  They us the names Daniel, Steve Harley, Nick Jones, and today Alvin Scott.  Very thick Indian accent.  All calls are scripted exactly the same basically stating to have my retained attorney of record to call them, case is time sensitive, wish you good luck as the situation unfolds on you.  I have reported them to the local police, the Federal Trade Commission (Internet Fraud) on-line, and posted to the "call sites" on-line to warn people.  I was on line chatting with the company they say I owed money at the same time I was talking to them and they still insisted I was wrong and the company filed the suit.  The company said they had many complaints about this, passed me to their claims/fraud department, etc. as well.  They are an internet fraud group attempting to gain knowledge of your bank information as that is all they are really missing.  I have since had to change my e-mail, passwords on accounts, get a new drivers license, and so on.  They use various numbers but it is the same group.  310-853-3491 ext. 140, 512-646-2005, and today 707-501-9176.

They keep calling our place of business.

Keeps calling talking about a lawsuit for an unpaid online payday loan.....I didn't even have any unpaid online payday loans out. I called them a liar and hung up on them.

BLOW an AIR horn in there ear till they beleed , trust me they dont call back....

right me too...

First I recvd a call from someone named Marc Berg who states that I had a payday loan threw a company called CashAdvance. states that there was a law suit filed under my name and social security number. At first I was placed on hold waiting for this guy named Marc to come to the line then all of a sudden the call was disconnected so I contacted the number back this time speaking to someone named Kenneth, who stated that I took out a loan and owe 8957.26 for a payday loan that was sent to my bank account.Knowing that I didn't and have not recvd a loan from the above stated name I started to question when was the loan  supposedly was taken out? when was the suit filed? what account # was it sent too? things of this nature. The man on the other end stated that it was taken out this year. No month or specific date was provided. I informed him that I have not recvd a loan nothing had been deposited into my account and adv that I didn't have an account with the bank that was named. The guy asked if I wanted to resolve this before they contacted my job and the police department. told me that I would be terminated if the legal paperwork was submitted. I advised that I wasn't going to be able to resolve anything.  By this time Kenneth stated he will see me in court and hung up. So I called back asked the guy why did he hang up because I'm trying to get the information I need to inform my Lawyer of the situation Kenneth tells me he is not going to dispute this with me again telling me he will see me in court then hangs up again. (baffled that a law firm would even do anything like this and knowing that law firms don't act like this cause I've worked for one.) I called back only to get the voice mail 3 times I left a message for a call back. I then proceed to call my bestfriend who is the best at looking up information and researching things; I told her what happened. She researched and found out that this is a person who is scamming people. After I get off work I call back this time speaking with a person named Keith Rodriguez advised him of the information of the company being a scam he then gets to questioning who I was. I advised him none of his business just know that i'm on to you and I have contacted my local authorities as well as a lawyer and will be waiting on the court documents that I suppose to get in 3 days. Called again and now all of my calls go straight to voice mail.

This place has been harassing me at work and on my cell phone. They are saying that I am being sued for a loan I never had.....

Scammer.

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

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

Scammer.

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

I'm sure wbsites like this one have caused the sales of Magic Jack to go through the roof.  It used to be you'd find threads several years old.  Now, you find stuff that lasts for a week, then abruptly stops.  Maybe an investment opportunity here.  "D)

This fake called me this morning concerning I owe him money for a loan in default!  He had an India accent and demanded I pay him $429.30 today, now.  He stated that he represents all payday loan companys.  Going along with him to learn more about his system, he got upset and told me to go and steal the money if I did not have it.  Wow, for the love of money is the root of all evil.

This guy called my phone also with a accent and said that he have received a lawsuit against my name and asked for the last four digits of my social security number. I asked him what this was about and asked me if I wanted him to read the affadivait to me and I said yes. He told me that as he begin to read I can't say anything out the way cause if I do it could be used against me in court. So I told him to talk to my attorney and gave him the number and hung up the phone.

Scammers

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

Same old scam, different number.

Websites ike this one are really cutting into the scammers dough; gotta keep buying new Magic Jacks,

Scammers

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

Same old scam, different number.

This guy called my boss and said there was a warrant out for my arrest and that my social security number was being investigated. He called my work three times in a row, total harassment.

I got a call at work from an indian accent guy who said he was from a law firm about a debt...he wanted to verify my last 4 digits of my social security number...i told him to remove my name from his list and hung up on him...he immediately called me back and i did not answer...my cell phone rings to a private number and i did not answer...he calls me back at work, i pick up the line & hang up on him before he can speak so he continues to call me about 6-10 times in a row and each time i answer & hang up the phone on him...he finally gave up

"Alex Brown" called for "person X" who is not my phone number. He had an "extremely time sensitive matter" and needed immediate call back to 707-etc. number. Warned of "dire consequences.... that...... would unfold"

THERE IS NO REASON TO CALL THIS PERSON BACK. IGNORE THIS MESSAGE.

A MAN WITH AN INDIAN ACCENT CALLED MY MINOR SON ON HIS CELL TO REPORT THAT HE WAS DEFAULT ON A LOAN THAT HES NEVER TAKEN OUT. I CALLED TO INFORM HIM THAT HE WAS HARRASSING A MINOR AND TO REMOVE HIM FROM THE SYSTEM. HE IMMEDIATELY SAID THAT HE WOULD REMOVE HIM. I DONT KNOW WHERE THEY GET THEIR INFORMATION FROM BUT THEY ARE GOOD....NOT GOOD ENOUGH TO SCAM MY CHILD THOUGH. WOW, CANT BELIEVE THESE PEOPLE.

"keith rodriguez" indian accent calling my husband about a "payday loan debt" and that we were gonna go to.jail for non payment. Right away i knew it was fraud. Because yes indeed we recently took oit a loan but it was.under MY NAME not my husbands, and secondly. I only got a loan about a mo nt h ago. Thru a legit military loan company. There is no way i can be in a "loan debt" when my first payment isnt even.due yet lol. I called to report the number, and once i googled this number i saw many reports on.this same guy. I called him back only to tell him ive officially reported him. And so much for being a "law firm company" he was very PROFESSIONAL in telling me to F*** off, mother F!!!! Wow. I guess hes just highly upset he didnt trick another innocent person for their money!!!

I was called by "Alex" but the caller had an Indian accent.  He told me that my brother had defaulted on a payday loan and I was used as a co-signer.  I have never cosigned anything for anybody.  He said that the loan was in default and that I was responsible for 1500 dollars plus collection fees of 350.