I too was contacted by the same 732-231-6372 number a day after another collection agency had called me threatening me that if I did not pay off a loan I would be charged with a felony for bank fraud and theft by deception. The first company that called may or may not be legit, however it was odd that this was a debt that was over eight months old from a payday loan company and they have NEVER contacted me until now, not a letter, not a phone call, nothing. I sent a moneygram for $200 to the company that called the first day, they stated they were a prelitigation company and that they spoke to the company and would allow me a few days to pay off the debt if I paid $200 that day. I am certain that the 732 number was fradulent...still trying to find out something about the company I sent the money to. I will not send any further money until I can verify that the money is actually going towards paying this debt. I too spoke to a man with a very heavy Indian accent (the 732-231-6372 number). Another strange thing was that when I told him I had already paid $200 to the other collection agency he told me that I had gotten ripped off and that that agency was not legit, however when speaking to him longer he really sounded suspicious. I didn't even have the phone number of the loan company, so I told him I needed to speak to the loan company before any further payment would be made. I asked him for the phone number, and he gave me a number of 908-212-3726. When I called, it was like I was calling a residence, as the person just simply said "hello" when answering the phone instead of answering with the company's name. Anyway, I contacted the local FBI, but until they get enough complaints she said they really don't do anything. She did tell me to call the BBB and the credit bureau, as these people had my SS#, bank acct. info., etc. I am still trying to find out if the first agency that called was legit, but I can't even find the phone number to the loan company. If anyone knows of Arrowhead Investments and how to contact them, please let me know, as I need to know who they contract their collections out to. BEWARE before sending any money to anyone anymore unless you are sure they are legit, as I was told there are many people in India hacking into computers and that this is the latest scam, getting people to "pay off bad debts and threatening them if they dont" when in actuality they are stealing our money.