I was contacted by phone by an entity called "Alliance & Assoc's" claiming to be a law firm. They said that I had taken out a pay-day loan from "Bahamas Marketing" (aka BMG) in 11/2007. They claimed this loan was taken out in TN state & that they were willing to take me to court & charge me with defrauding a bank, bad checks, & (1) other charge. They claim that BMG tried to obtain the money borrowed from them from my bank account, however, were not able to do so. I was not in TN state in 11/2007 nor do I recall "Bahamas Marketing" or "BMG." I asked for a copy of the info they had so that I could follow up on this; however, they would not provide that info as they said that was their evidence they were going to use against me in court. The amount of the debt is $575. What should I do??