This is either from a payday loan or a credit card debt that I failed to pay. On Thursday, XXXX XXXX, 2015 before XXXX XXXX Pacific time, the landline of the residence where I rent a room ( as I have a personal mobile phone and I was already off to work ), called on the landline and left a message looking for me and saying that a case was going to be filed against me in the XXXX XXXX XXXX Court since the city I reside at, XXXX, CA, is in XXXX XXXX. The caller also said for me to return their call at XXXX extension XXXX with a case number XXXX. In any case, I really feel that the caller should have said they were debt collectors which they did not and I really felt scared and intimidated by what they said they were going to do. I would really prefer the collection agency or the original creditor, whoever I owe to, to mail me a letter saying how much I owe. Right now, I have several debts, mostly to payday loans, XXXX made in person at payday loan places and the rest on line. As well as to credit card companies. Most of them have sent me letters, or the collection agencies acting on their behalf have, and since I can only pay so much, I do pay what I can on paydays and am not trying to dispute the amounts nor run away from my obligations. I for XXXX am trying to avoid bankruptcy and I really wish all those I owe money to will allow me to do partial payments till fully paid. As for this caller who left me that number to call, I really would like their attention called and I will pay what is due but only after their attention is called. I really would like them to just send me a letter and I also wish that when they send me anything in writing, nothing threatening like suing me in court. There is no need to even mention that. And yes they called before XXXX XXXX Pacific time though the jist of this complaint is their saying that a case will be filed against me in court. That is phone bullying.