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I finally got on the phone with "Hector Boyd" who advised me that this was for a payday loan in 2008. I asked him why they didn't just take the funds out of my checking account if it was a payday loan and he said he didn't know why. I asked him who the loan was through and he gave me this website. When I advised him that this was a scam, he told me that they have many companies but could not tell me which one he was collecting for.
He also told me that he was not a debt collector and that he was with the legal department. What damn company. I still don't know. They kept leaving threatening messages on my husband's voicemail which is illegal. I asked him if he was cash advance places close to me with the FDCPA (Fair Debt Collection Practices Act).