Additional - I was able to get someone on the line more extensively. Exactly as expected - they're claiming to collect on a payday loan that never existed. Company name is 'Consumer Advisor Associates' - it's always something generic, so that you'd never be able to find any information about them. They say that their client is suing (they're not), that they've been retained to get a statement (that's not how legal cases work), yada yada. The lender they claim in this case is 'Evergreen', which mean's it's part of the Joel Tucker/eDataSolutions/Bahamas Marketing Group mess (I can't even remember which one list that's from, but even if I hadn't seen the connection, the non-existent loan and the amount would tell me it's all from the same scam). I'll explain the details below, with references.This is an extraordinary, point by point, scam. As above, I've gotten these for nearly 10 years now... used to be every 2-4 months, but lately it's every 4-6 months, like clockwork. Rest assured, nobody has ever shown up to serve me, never even received so much as a letter, and for sure no 'uniformed officers' have ever shown up to arrest me for failing to pay on a payday loan I never had, to a lender I've never heard of.To explain where this is coming from:It all goes back to a man named Joel Tucker, and his family, in Kansas City, Missouri, and his company eDataSolutions (among other names). They had the records for millions of applications for payday loans (because his brother was a payday lender at the time, and they got the information from online sources that would send out payday loan applications to many lenders at once) - regardless of whether a loan ever existed or not. Apparently, few, if any, ever actually received a loan. Some, on the other hand, received loans they didn't ask for, and ended up getting charged a ton for the 'help'. (see:https://www.ftc.gov/news-events/press-release ... an-fraud-scheme )How does that relate to these calls? Apparently Joel Tucker and his company made up fake loan information to go with the customer database they had, and then sold this fake 'debt portfolio' to unscrupulous collectors. Yes, multiple - they just sold it under different company names, and sometimes apparently changed the lender name on the spreadsheet. Literally, they just made up dollar amounts and put them in a spreadsheet. They did this knowing full well these debts didn't exist, but they could - and did - make a small fortune by selling this debt portfolio to less than reputable collectors.Now, as likely happened to you if you're reading this, a 'collector' (in the vaguest stretch of the term) tries to collect for a month or two, then they sell it on to the next group. Odds are, you'll get a similar call about ever 3-6 months, from a different company, claiming a debt from some new 'payday lender'. They'll just use whatever lender names they find on the spreadsheet. The typical (not always, but most often I've found) way they go is they claim they are working with a lawyer, or sometimes they claim to be a law firm themselves, and that you're being sued because you never paid on this loan. They'll want a statement, and of course, they want to know if you 'want to settle this matter' - by paying them right now.They'll get belligerent if you disagree, maybe they'll hang up on you. They'll yell at you, call you a deadbeat and a loser. They'll tell you that you'll be arrested within 24 hours if you don't pay. Tell you that police or 'uniformed officers' are waiting to come to your home or office. They'll threaten to get you fired, to ruin your life. Just to make clear - they can't do any of those things. It's all to scare you into paying on the never-was loan. Honestly, I've told them before I wish they would sue me! But they never will - they won't sue me, and they won't sue you. Why? Because if they did, they'd have to actually provide their information, and that would allow you to counter sue. Think about it... these people won't even provide a real business name. You think they're going to let their real info ever get on file with a court? Ha!If you are worried and need a lift, look back at these, just to name a few from my own phone book, from the same scheme.https://800notes.com/Phone.aspx/1-844-245-8780https://800notes.com/Phone.aspx/1-866-668-3516https://800notes.com/Phone.aspx/1-855-904-7781https://800notes.com/Phone.aspx/1-844-838-7351https://800notes.com/Phone.aspx/1-877-657-7894https://800notes.com/Phone.aspx/1-866-315-7093https://800notes.com/Phone.aspx/1-866-288-5346https://800notes.com/Phone.aspx/1-866-216-9470https://800notes.com/Phone.aspx/1-844-263-3643Someone took the time to put a lot of effort into tracking these people down. I've put a link to his story (a rather long article) below. It's quite in depth. Out of the originators of the scam, one is in jail, another is under Federal indictment. One co-conspirator apparently committed suicide. Unfortunately, it doesn't stop the cycle of scam debt collector selling to scam debt collector calls we all receive, because you can't break the cycle. The non-existent debt just keeps getting sold for pennies from one scam collector to the next.https://www.bloomberg.com/news/features/2017- ... ith-a-vengeancehttps://www.pitch.com/news/article/20852148/t ... lending-companyA related case, unlike many scams, even has gone so far as to have the FTC issue refunds to people that haven't already sued the original parties -https://www.ftc.gov/news-events/press-release ... day-loan-schemeI hope you find this information helpful. I've spent too many hours in the past worrying about these people, so I want to try to help others not have to worry in the future. This scam may not be easy to end, but if the money stops flowing in, eventually these horrible trolls will die off.