Testyrday i got a call but wasnt home so they left a message with there phone number and name joseph then today actually spoke with them and the guy said i owed 900.00 dollars for a loan i took out in jan 2010 which i no i didnt get, the4 guy said we need to go to court in 2 hours with the money or a arrest warrent will be issued and i will be arrested, the guy had a thick accent and i didnt understand a word he was really saying, i asked him to send me a copy of all paperwork plus the court papares then he started saying things and making threats so i reported them to the ftc and gave the guy