I had a loan and didn't pay because my account was closed they pit in wrong account, never heard from them to switch the bank account and went on with life. Now this guy calls very bad connection, said I was committing fraud, so I agreed to pay 250 a month until paid, but I really don't 250 a month. Times are hard and I have three kids. Can they take it to court and file with county? The number called from goes traces to an unknown individual on internet. I call it nobody answers.