I was contacted by phone on XXXX/XXXX/XXXX by a debt collector with " Clear Credit Services '', XXXX, claiming to represent XXXX XXXX for an outstanding balance of {$5000.00} from XXXX and XXXX, original account # XXXX. The representative was very aggressive and repeated, " why did n't you pay this, now we have to report you to the XXXX County authorities and have you arrested and prosecuted for fraud! '' I was stunned by her statements and allegations, and told her that not only was she out of line for making such outragous threats but that she was breaking the law, but she did not seem to care. I hung up the phone, then was called again, same representative scolded me for hanging up. I told her I needed written confirmation of this debt and I was transferred to a " Settlement Director '', who later emailed me the attached demand letter.