Called telling me I owed them 2, 000 for a payday loan that I never took out. Told me that I will lose everything and threatened me. I asked for information and all they had was my email address. Told me to get a lawyer to the courthouse tomorrow and good luck. Thick accent individual named "Richard Williams". Spoke very broken english. 619-489-2472. Number showed up on my caller id as 444-198.