A caller with an Indian or East Asian accent giving a very Anglicized name and demanding money for a payday loan "or they will sue" is highly suspicious.    Payday loan sites get hacked on a seemingly regular basis and  scams using info hacked from these sites to collect totally fraudulent loans is common.   They will even know  personal info such as your last four digits of your SSN, DOB, address etc., all taken from the stolen records.    They can even use that info to get even more info on you from personal info sellers like Choicepoint.    Unless you know for sure you owe the money, be very careful about giving them any personal info, especially bank account information (they will clean you out,)  record the calls if legal in your jurusdiction, and demand a mailing  address so you can send them a "cease and desist" letter (see FDCPA Sect 809.)   Since thee calls almost always come from overseas, there isn't much the authorities can do to stop them.  So protect yourself.