844-788-4218

threaten to arrest me first time 6 months ago. Now they threaten to see me in court for owing money I never borrowed.

Caller ID shows 310-683-5494. "Case investigator Ross" left contact number as 844-788-4218 saying there's a case against me regarding check fraud. I don't write checks. Everything is either cash or bank card.  Even gave me a pre docket case number. Threatens to come to my home

Debt collection extortion scam:
Criminals are masquerading as debt collectors in an attempt to extort money from people by scaring them into believing that:
a.    You are going to be sued and it will cost you lots of money when they allegedly “win” their case.
b.    That they are about to file criminal charges or that you will be criminally charged (they use the bad check or hot check claim a lot) and go to jail, even though debt is civil not criminal, there are no criminal charges, and debtor’s prison was outlawed over 200 years ago.
c.    That they will take away your driver’s license.
d.    That will garnish your wages without actually being suing you, going to court, or even winning a case and obtaining a judgement followed by a judge’s consent to the garnishment.  They also claim that your wages will be garnished in amounts far above all legal limits.

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and 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 (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “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 letter 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.

First, 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:  http://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