Investigator Jerry (?) left a message stating he was in the fraud unit & investigators would show up on my doorstep or place of business if I did not call him. He always ends his vm's with "...and have a blessed day" This is in regards to a payday loan I defaulted on. However, when I called back, the message says to enter my phone number then does nothing. Just dead air. I am a little nervous. Is this legit?