I have received calls from this scam co. for the last few months. He identifies himself by a different name each time...sometimes Sheriff Smith, etc. He says he is representing a collection agency but when I asked for a debt validation emailed to me or mailed to me he does not give me a name. Yesterday he called and threatened me again. I asked what company he was representing, and he said Instant Loans. I had actually had a loan with them, called them, and they said they had never hired the company and I did not owe them anything. Now he i... read full review »