A woman calls me telling me that there is a law firm thats sewing me for 3500.00 loan that I supposedly took out in 2010. That is false, and she ask me if I could make the whole payment and of course I said no, then she said she could ask the lawyer to lower the balance, andshe put me on hold for about 2-3 minutes and came back to the phone and said all she was able to do was get it dropped to 8 hundred and some change. I said I couldn't do that either, she said she could see if the would agree to do a hardship to lower it even more. Once again she put me on hold and 2-3 minutes she came to the phone saying they lowered to 500.00, and she would transfer me to collections department, but before they got my information on my card I called their bluff. I said I was talking to a friend in a similar situation and she said it was a scam. Then they both hung up, I looked it up on the internet and sure enough it is a scam.