A woman caller never gave their name, just launched into a diatribe about me not having money and "that's what this is about" after I asked for proof of the debt. Even after offering to email proof to me. She threatened me by saying that I could just wait for a letter to reach me by the end of this week, freezing all my assets and pay. Said a loan service had paid them $3097 to rapid file something and I "had better be there with my lawyer and $3097" for arbitration or else. She said there would be no settlement at that time. Then she hung up.

December 10, 2025