xavier marshall taylor and associates claiming i has lawsuits against me in New York New York

 after applying for a payday loan on some different sites, i received a phone call from xavier marshalls law office saying that there were charges being pressed against me but the woman wouldnt say what for.

 later on this same day i receive a call from an attorney in california. (taylor and associates). he also proceeded to tell me there were charges being pressed against me for not paying off payday loans. i let him know that i did not have any payday loans that had not been paid. i had already read all the other reports about xavier marshall on the internet so i let this man ( james davis i believe he said his name was) know that there are reports for this all over the internet and i know its a scam. he was really giving himself away. he started getting mad at what i was saying and trying to convice me that there were charges against me. he was foreign and didnt understand some of the things i was saying. eventually i told him he sounded really young and i asked if he made a lot of money doing this. he laughed and said that he was 22 and he said that he sees im only 24 and if i ever get bored i can call him at that number and he will talk to me.