United law group sent me a letter saying I owe 998$ by 7/26 I have never tooken out a payday loan and if I don’t pay in full by that time then I will be summon into court .. I don’t have that kind of money and they are telling me it was a fraudulent activity and malicious intent to commit fraud what do I do??
if you're not the proper party, then if sued, you will have to prove they have the wrong party.
From your description it sounds like you are the victim of identity theft. Get a credit report now. If someone has done this once, they likely have opened multiple accounts or taken out other loans in your name. Look for any accounts, banks, credit cards, etc you don't recognize.
Look at the FTC identity theft website. Follow the instructions there. https://www.identitytheft.gov/
Respond to united law group telling them this is not you and you (and their client) are the victims of identity theft. You likely will need to fill out an fraud alert or affidavit of fraud and a police report to deal with this. https://www.identitytheft.gov/Steps
Good luck. Victims of identity theft sometimes have to deal with this for years.
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I have a hard time believing this is legit, as one of the the marks of a scammer is to threaten you with being summoned to court. Checking your credit reports is always a good idea, to make sure nothing strange is on them. But I would investigate the entity that is calling you to determine if it has a real existence. If they call again, ask for an address. If you get one, check to see it if links to a brick and mortar structure - or a mail drop. Google the phone number and see if there other complaints. If you get sued on a debt that is not yours, there are plenty of lawyers that will help you.
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