Received voicemail from A collection agency, unnamed, describing an escalating matter, so serious that if not Miss (my mother in-law) called back within 4pm the date of the call, if not the caller would regard the lack of action as not intent to 'resolve the very critical status', the caller further threatened to take further action directly affecting Miss (mother-in-law). The caller made it clear that the message read into my voicemail was recorded and would serve as proof of notification. In reality debt collectors have to send a written notification within five days after contacting a debtor on phone. A debt collector is NOT allowed to call relatives of the debtor. Don't recommend communicating with such callers as Mr. 'Torreil', the probability of this person being a scam, seems high.