I was contacted today at work by a foreign speaking man (could barely understand him) by the name of Steve Matthews, yeah like that's for real. Anyway the conversation starts out as they are trying to collect an unpaid debt for Cash Advance USA RE: a payday loan they say I took out, but never actually did.

Steve makes quite a speech, explaining how you owe this debt and you are basically a criminal. The company does not intend to pursue you for the money, they have written it off and now they want to pursue criminal charges.

He goes on to say they are taking me to court, I will owe over 8,000.00, not including legal fees, he tells me not to interrupt him and this fool proceeds to read me my rights.

When I finally got a word in and asked him what the amount was that I supposidly owed he then gives me all of my bank information, ssn, name and since he called me at work he has my work information too. That is the really bad part of it all. Oh and by the way he never did give me the amount of my debt.

I told Steve to please feel free to take me to court and since he had already read me my rights and since I could not afford a lawyer and one would be appointed for me, I told him to please do so and meet me in court.

I guess he did not like this comment and he proceeded to call me everything except a white woman. I contacted the Federal Trade Commission and the lady there said yes it is a scam.

If anyone receives a call from anyone stating that you owe money, do not fall for it. As a matter of fact by law they must inform you in writing of any debt you owe. I spoke to 3 different people Steve Matthews, Kevin Thompson, and Gabriel the phone number they are calling from is (916) 226-9823.

Hope they get some jail time for this one.