He continued to explain that costs would run into the thousands of dollars if i choose to appear before a judge and that he could offer me the opportunity to settle out of court if i choose. HE began to pressure me (on a holiday) to fax him a statement of when i could pay the outstanding debt along with my drivers license.

When i asked who the debt was through and who he represented, he would not sya anything other than the department of investigation. His foreign accent made me feel unesay and the fact he wanted my ID sent to him made me feel uneasy. When i asked him to send me written documentation, he kept persisting asking when i could pay the debt. I finaly hung up.

Finally i looked up laws regarding debt collecttion and found that he violated laws regarding how a debt collector can go about collecting funds and Mr. Austin's tactics displayed the likes for a fraudulant company.

Although i do have outstanding payday loan,I dont not believe that he was not recovering a debt but rather hacked my information from somewhere in order to get my money.