United Cash Loans UCL intimidating phone call, said that I needed to contact them about a personal urgent matter. Internet

These assholes are calling from Pakistan using fake American sounding names, their scam is To scare you into paying a Loan that doesn't exist.

Usually by saying they're Officer(Fake American Name) Obvious clue, the heavy accent, hard to understand, or cannot understand this (American Name) Officer?

Their Theft is to scare you by threats like "Have the police at your door" or "Warrant has been signed" or "You're in big trouble", "You've committed BANK FRAUD" or similar lies.

They usually say they're from "The Department of LAW and Investigation" or similar scary FAKE NAMES (recently they used United Nations Law Division, and ACS Law division, and even more recently 1st IRS Legal Dept)

You're NOT in trouble, they're just good Liars, Pay them NOTHING, they're only Slimy thieves.

Recently they've been changing names at the speed of light, and they use a telephone relay so they look like they're calling in America, they're NOT.

This is another name, but the same scammers.

OR IF YOU WANT PROOF THEY'RE THIEVES Tell them to send you verification there's any "Debt" at all, if they start screaming at you, that's proof positive that they're just thieves.

When/if they call again tell them they're just thieves and hang up, they can't arrest you, It's just a scam.