I also have been getting calls about the same type of thing, only I have never signed up for a payday loan, which are illegal in my state. I have had several past debts, but settled all of them. The only thing I owe is my car, which I am still paying for. A woman named Desiree called from "NRS" which showed up on my caller ID as National Recovery Service, 716-478-0813. The woman gave me a number to call back with an extension and said I was in breach of contract regarding a loan. As I have said, the only loan I have is on my car, which I pay every month. I have not spoken to her yet, and based on the previous posts, I am considering speaking to her only with a recording device. I smell a scam, as I have been debt free for years, at least 6. My credit score has even gone way up and I have even gotten a credit card, that I use carefully now, since my past debt. I believe they are trying to collect on a past debt that I have already paid off, or they are simply trying to scam me. There have been several other attempts by previous scammers and I never given in before, so after a while they stop calling.