read up on the laws and your rights:

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

And see:
http://800notes.com/forum/ta-944ec1426a8bcbb/ ... service-attacks
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http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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http://www.fdcpa.me/fake-process-server-injunction/
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http://800notes.com/forum/ta-9413b3202bc8b6c/ ... net%27s-tactics
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To report Extortion Scam Operations, file reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/

When i got a call from this number back on the 21 St they called a few days later and said i have until the end of the business day to call them back and if i don't they are sending someone to my house to verify my address. I haven't heard from them since. They also told me they will send me documentation on what i quote owe. I believe it is a total scam!!

Gotta a call from these scammers. Telling me, I was "suspect for misconduct and breach of contract", on a pay day loan. I told them prove it! Kiss my you know what and talk to my attorney! Click, Click I went. I put them on call block. Glad, their scare tactic didn't work on me. After reading reviews I see this folks are a fake!  Do not give your money to these people! Do not allow them to scare you! In order to collect any debt, validity has to be proven. I haven't known anyone being sued over a payday loan.

I have never had Nationwide insurance and have never dealt with them. I believe this is a scam !

Yes... I received a call and they left a message that a claim has been filed against me. They gave me a claim number. I called the number and it was Nationwide .... I was on hold for 45 minutes and never got to talk to a real person.

Yes i did about an hr ago from one number and gave me another number to call and claiming a case has been filed againest me and left me a message telling me to call back ashley johnson and i called back asking for her and she said.no one is.here by that name but u do have a case againest u.. And i said until i have visible  proof and.hung up she called back 2x with a blocked number