hello ive been getting calls lately that i owe loans and if i dont pay them i can get arrested and lose my job can these guys be scammers

I suspect that the individuals contacting you are not attorneys.  The Fair Debt Collection Practices Act specifically prohibits threats of incarceration in order to coerce payment.  You should contact a local Consumer Rights attorney to determine if you have a cause of action against the collector.  Additionally, you need to determine who the collectors are and why they are contacting you.  Take that information to your attorney. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.