833-491-2253

I think it may be a scam caller. I received a call stating that I owed money for a payday loan from 2015 that I don't recall, but they were willing to settle over the phone. I said I would check my records and they sent me an email supposedly with the corroborating information. The email only contained a consent form saying I would pay them.

No doubt about it being a scam caller.  They are required by law to do the following:

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.

Federal law (FDCPA) requires them to send you a letter, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this communication must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. If and when you get that communication you should immediately send that debt validation letter by certified, return receipt mail.

You can also file a complaint with the FTC who will then direct you to the CFPB.  Or you can simply go to the the FTC website and file a complaint which will again be redirected to the CFPB.  No matter what you are going to end up reporting the complaint to the CFPB so why not go there first and forget about the FTC?  I mean seriously, you are not actually going to report anything about debt collection directly to the FTC but hey, knock yourself out!  https://reportfraud.ftc.gov/#/assistant

You should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices: https://800notes.com/faq/attorney-general

Left a voice message saying i need to call urgently today.  I am not calling them.

They were calling to try and settle a pay day loan debt from my husband in 2014. We didn't even know each other at the time the debt was created so how could I be listed on the account? The number that called me was 971-318-9632, then she said I could call her back on the 833-491-2253. Totally a scam. I work for a law firm and she said the part about having to serve someone notice within 48hrs, complete BS. SCAMMER for sure.