EDISON - If you get a call saying you owe someone money, it could be a scam.

A Kane In Your Corner investigation uncovered a phantom debt collection scam targeting New Jersey residents. In some cases, the scammers are getting contact information of people who are already in financial trouble. The calls appear to be coming from Los Angeles, but are actually originating from an international scam ring based in India.

In one case, a resident who sought information on payday loans began getting the calls a few weeks later. The resident alleges that she was told she was being sued federally and that if she did not pay back the loan - which she never took out in the first place - she would be arrested.

The state director of Consumer Affairs warns residents that legitimate debt collectors will not make threats. If a debt collector does begin making threats, it's a sign that the call could likely be part of a scam.