Asked if the last four digits of my numbers were correct and my name I said yes that's correct then began to inform me that I had taken out a credit card for $1,600 with First Northern Bank in 2002 and said that I had made payments on it until 2008 when I haven't had a credit card since 1992. When I said I would not settle out of court for $600 they said I would have to appear in court the 17th of this month April and it is already the 13th of this month and I said I have not received any correspondence the representative stated that they were sent to the last known address which was an address I haven't used in 20 years. They said they did when I appear in court the judge could ordered wage garnishment up to 35% of all income associated with my social number which they had the complete number of, stated will see you in court and abruptly hung up. It's a total scam. I don't own credit cards for this very reason.