These are scam artists trying to con people out of money by threatening a law suit if you don't pay them over the phone. They will claim you owe money to a pay day loan company and usually cannot even give you the name of the company they claim that you owe money to or they will make something up. It is usually a male with a heavy Indian accent. Sometimes they will use an English name as well. DO NOT GIVE THEM ANY FINANCIAL INFO OVER THE PHONE SUCH AS YOUR BANK ACCOUNT NUMBERS. THIS IS A SCAM! REPORT TO THE FEDERAL TRADE COMMISSION IF YOU RECEIVE THESE CALLS. Hopefully these people will eventually be caught and shut down and maybe even given jail time.