Eventually, the defaulted loans get sold to "bottom feeders" who will never stop the harassment. Keep in mind, that the FDCPA and the Telemarketing Sales Rule regulates this kind of behavior, but we still have to find them to serve a lawsuit.
It is hard to track down these scammers when they use Google Voice or VOIP phone numbers to call and text from.
The take away from this, is that you absolutely have nothing to be afraid of if someone is 1. texting you and 2. if English is definitely not their primary language.
It is kind of funny actually. If this is happening to you, try to laugh it off, and DO NOT return the text.
