What to do? Checks System Services

I took out a $400 payday loan with impact cash about 4 years ago around the same time I took out a few others. I was in a bad way and ignorant of how stupid pay day loans were.

The companies drained my bank account when the money came due and I thought that was that....

Wrong...

Every 3 months for the past year or so I've been getting phone calls saying that I'm being taken to court for check fraud. They NEVER call me first and ALWAYS call my mother-in-law, who then freaks out and calls me. It seems the calls are always coming from Buffalo, NY.

I tell them do not contact her, do not contact me, and the calls stop for a while.

This time I feel like they crossed some major lines and I'd like to know what can be done about it.

On 3/15 a man named James calls my mother-in-law. He tells her that he has fraud charges against my social security number and demands that she tell him where I'm at. She tells him not to contact her, hangs up and calls me. While I'm on the phone with her, I get a phone call from (716)362-0839, I don't switch over and it goes to my cell voicemail. This is the message he leaves for me:

"Uh yes, this is a legal notification for (maiden name) aka (married name) on march 15, 2012. My name is James White, I'm an investigator with Checks Systems Services. I'm contacting you regarding a fraud claim that was recently placed with our firm. I'd like to discuss the matter with you and obtain a statement before this matter is forwarded to your county. I can accept return calls from either yourself or a representing legal council at 1-855-770-9857 x175 and if you could please have your case number available. Once again this is going to serve as legal notification for (maiden name) (married name) on March 15, 2012."

After I hang up with my mother in law I call the guy back I tell him to remove her name from his calling list and hang up after he confirms he's done so. I refuse to discuss payments or anything else with him.

On 3/19 I get another call and let it go to voicemail. This is what it says:

"Hello this is a second and final legal notification for (maiden name) aka (married name) on March 19, 2012. This is James White contacting you from Checks Systems Services. Ma'am we've got a claim against you regarding a fraudulent check. I would like to speak with you before this matter is forwarded to your county. We may speak with either yourself or any representing council on this. The number is 1-855-770-9857. This will be the final attempt to rectify this matter voluntarily and out of court. Unfortunately, your failure to contact us at this point will result in this case being placed on a court docket. Again this serves as a final legal notice for (maiden name) (married name) on March 19th, 2012."

Shortly after that I get a phone call from my mother-in-law. He's contacted her AGAIN, demanding to know how to reach me. She tells him once again not to contact her. I call him back and tell him do not contact her or myself again that if he would like to file charges, to please do so.

The calls end for a about a week. Then on 3/21 I get a call from a local number (717) 249-9290. I answer it thinking it's about a job I applied for. A woman asks to speak to me and informs me that she has sealed paperwork that she needs me to sign for and that she'll be coming to my home the following evening. I ask her who they're from and she says she can only give me a phone number and to contact them and they can place a "stop order" on the delivery. At this point I'm driving so I ask her if she can call and leave the information on my voicemail. She does so and this is what I get:

"Hi, (first name) it's Ania. The contact number is 855-770-9858. It's possible you can put a stop order in if you know that you won't be at your place of residence between 3pm-6pm tomorrow. That will basically stop the process of me having to come out. You can just reschedule with them and they can notify me. Alrighty. Thank you."

I call the number back and reach a man that sounds like James White though he gives a different name. Once I figure out it's the same thing about Impact Cash I tell him to go ahead and have me served with papers but to stop contacting me. I hang up the phone.

Then I try to call "Ania" back. And wonder of wonders "the number you have dialed has been disconnected". I try a few more times, same thing. Next night, no Ania, no paperwork.

I'm wondering if I can't sue the hell out of this company. Surely there is SOMETHING I can do. I'm sick of the harassing calls to my mother-in-law and the threats of fraud charges.

Sorry this was so long, but I wanted to get all the information on here. Any suggestions?

Also, when I call and speak to these people they don't say "Check System Services". They say "Checks Systems". Which to me sounds like the company Chex Systems.