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I received a voice-mail from someone that said he was with "the Utah state department of fraud" and said that they have several formal complaints against me and if I don't call within 72 hours i will be served a subpoena to appear before a federal judge and be arraigned on criminal charges. I returned the call and was told that it was regarding a Payday loan that i couldn't pay a few years ago. I asked the person the name of his agency and he said that they are a company called Nationwide Processing working with the state fraud office. I then asked if he could tell me what criminal law i had broken and he wouldn't give me a straight answer. Can criminal charges be for not paying a payday loan in Utah or is this a scam?On a second call from the same person he said that if I don't pay within the 72 hours a Sheriff's deputy will come to my home and escort me to the courthouse.