A man named Chad Taylor calls from a cell phone number [protected] saying that I have refused to pay back a payday load from US Cash Advance. He says that he is a paralegal working on behalf of US Cash Advance and that this company is taking federal legal action against me. He calls my work and cell phone at least 10 times a day. I have been ignoring the calls until today and when I answered he threaten me with a lawsuit that would ruin me. He advised me that I should find a lawyer because I would have to fight the federal goverenment.