The caller claimed to be Aaron from ADRA calling in regards to a lender GE Capital (Visa card services). I apparently had a credit card in 2010 and defaulted for over $700 and if I did not settle for the lesser amount over the phone they would serve me paper in 3-5 business days and I would have a mandatory court date. Also I researched GE Capital and they are known as Synchrony bank and I have a line of credit open with them right now. I called and confirmed that they are not coming after me for money as they would have had record of it