I am receiving phone calls on my cell phone and at my place of employment from a company called Spire Recovery Services, claiming to be a collection agency for a payday loan that was filed in a chapter XXXX bankruptcy. They are threatening that " bad things '' will happen to me if I do n't pay them by XXXX on the day of the phone call. My attorney conducted research on the company that shows them to be a scam with an address located in an abandoned warehouse and when I attempt to reach them at the number provided it goes straight to a voicemail box. They called from a local area code but the call back number is from a New York area code and the address is also in New York.