They must have got my number and info from a recent online application to a payday cash advance loan. They said they are calling from American Consolidation Services. They sound indian from india. They use american names. always different name, sounds like the same guy tho. Adam White, Harry, etc. They said I was being charged and would have to go to court if I did not call them back. and my social security (he gave me the last 4 or that) was involved in check bouncing charges and theft by intent and bank fraud, misuse of checking account. So they gave me a case # and they are harrasssing me at work now calling many times. read full review »