Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
Good afternoon. I am Loren, a licensed attorney, and I look forward to assisting you.
Do you recall this loan? Is it a real claim?
Thank you for the additional information.
This is likely a scam. At the very least it is a violation of federal law which makes it a illegal for a debt collector to threaten a debtor with arrest. There is no debtor prison in the US.
If he refuses to provide proof of the loan then it is a scam. Do not send any money and do not speak to him anymore. Hang up on him if he calls.
It is a scam. You can not be put in jail over an unpaid loan.
He must produce the signed note if you demand. A real debt collector would know that. It is the law. You have nothing to worry about. You do not owe them any money.
The IOU is the note. They have to provide it as proof of your debt. The fact that this person is threatening arrest indicates it is a scam.
Your personal info is easily obtained. They may have gotten it from an internet breach. The important thing is that you not send any money. Report the calls to your local police. This person is not a lawyer. They are a criminal trying to steal from you. Hang up on them when they call. You do not even owe him an explanation.
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