I was contacted by A Michelle H***** from Barnum Graham and Associates, and told I had a case against me and I needed to settle it or I was subject to jail, garnishment ECT. She said it was a payday loan , called it bank fraud . Anyway it’s all a lie. I played along long enough to be connected to their "payment center" and talked to a idiot named Katie N*********** which sounded exactly like the first idiot I had talked to. She refused to give me a physical address for this non existent company, and laughed when I requested a validation letter be sent to me. Very uneducated sounding and used a lot of slang wording.