Last week I received a call from a lady claiming she was an investigator for an unpaid payday loan. She neglected to name the company she was working for but did leave a number which was apparently for a company called "Prudential" according to the automated voice. She said I owed a specific amount of money and that it had to be paid via credit or debit card, neither of which I have. I called back later that day and ended up talking to some guy. I kindly asked him for the companies full name and address, though he refused to give me the mailing address, as he said it was for security purposes...
I'm not 100% sure this is a scam, but some of this stuff just seems rather sketchy. I did some research regarding collection laws, and I have received no documents in the mail stating that I owe this debt. Also, the fact that they refused to give me their address also makes me feel skeptical. I received a call from later today saying if I don't contact them by 12pm tomorrow, they're sending out my case.
Are these people legit or is it just a possible scam? I appreciate any help.
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