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  1. Hi Guys! A little background on me: I was incredibly dumb when I was 18 up til I was 20. I didn't pay bills and took out a couple payday loans. The payday loans went into default around the same time I moved from Texas to another state. Once I had moved I had received a call from some debt collection agency saying I was going to jail if I didn't pay because I committed a federal offense of going across state lines or something. So I started to pay them monthly. I never asked for verification(once again I was stupid) but thought I had paid them off. I never double check. I figure anyone after was a scam. I moved back to Texas a couple of years later. I do have some medical bills that went into default and I am currently rehabbing my last student loan. About two weeks ago, I pulled my official credit report from Experian so I can start seeing the damage and repairing my credit. This evening, I received a call from a Terry Anderson of Legal Outsourcing. He left a message on my phone saying: After he called my brother's phone and my brother passed the phone to me. I did not verify my identity only asked who he was. He stated his name was Terry Anderson from Legal Outsourcing. I clammed up and hung up.(like I have been doing for all these years. I am trying to correct this and get my credit back on track.) He left a message saying I was to call him back. I called him back but he has not answered the 5 attempts I have called. It goes straight to voice-mail with his name and saying I am to leave my case number and name/phone number. There is nothing on my report from Legal Outsourcing. I can not find anything about this company or from the phone number except 2 comments on 1800 notes.I have no idea what he is talking about when he said I committed check fraud. I looked on the Texas State Attorney Office but nothing about this topic showed up. I am trying to call him so I can an address to send a validation letter but he won't answer. He also did not provide a case number or any other information but he does have my Social Security number or at least the last 4 numbers. What should I do now?
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