The caller, in a thick foreign accent, claimed to represent United States Collections, calling from 646-918-5448. had my social security number and old bank information. Told me I owe $5,100.36, and tomorrow at 11:00 AM their attorney was filing fraud charges and mail fraud charges in court against me. I told him I had an attorney, which I do, and I tried to give the guy the number, but the guy kept jabbering. THIS IS A SCAM!!!! Report him either to your state authority or the US Attorneys office. I believe its actually a phone bank system from India, scamming people who have had financial problems. I've seen warning against these people on TV and on the Internet. Try to get as much info as possible - DO NOT GIVE THEM A DIME - and report them. I suggest trying the FBI also, as they are scamming internationally. I believe this comes under wire fraud statutes. Good luck!!