I received numerous phone calls from a man by the name of "James Thomas". I finally returned his call and he said he is with the Legal Affidavit Office and I have three charges being filed against me. Violation of a federal bank, collateral fraud, and theft by deception. He said it was from a payday loan. My husband and I have received a payday loan recently but he said I owe $689.32 and if I didn't pay it then my local authorities would be notified and I would have to appear in court and go to federal prison. He also told me my... read full review »