Product: Payday loan

Some years ago, I took out a payday loan. Because I close the bank account due to fraud. I did n't hear from them for years until recently they are threatening to sue me. Heres the email LAWSUIT COURT CASE FILE NO : XXXX - XXXX Court House Address- -XXXX , NY XXXX. 
Lawsuit Cost - {$4500.00} ( Including Attorney Fee/Court Fee/All Taxes ) Last Date to File Lawsuit - XX/XX/2017. 
Attorney Name- XXXX XXXX ( Sr. Attorney in New York Courthouse ) . 
Case Type- Fraudulent Case ( FC/SC ) Total Amount - {$930.00}. 
Settlement Amount - {$570.00}. 
Signed Agreement - Yes. 

Dear Debtor, We are going to file a lawsuit in next 24 hours at XXXX, NY XXXX against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. 
NOTE- We are in a process to inform the Social Security Administration & Major Credit Bureaus as well. 
NOTE : The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take an immediate action you. 
AS YOU ARE A DEFAULTER ON THIS CREDIT XXXX HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid : - Warrant of Execution ( Exceptional Attachment Order ). Seizure and sale of movable non-essential assets/property by a County Court Bailiff or Sheriff Officer Attachment of Earnings Base ( Earnings Arrestment ). Deduction from your wages by your employer or Arrestment of part of your salary to satisfy the debt The Factual Basis for the complaints is as follows : - You agreed to return the funds from the aforementioned income advancement as per contract. 

And as per the agreement, the funds have yet to be returned and the collateral has proven to be null that is to say of no value. 

At present, XXXX is seeking either of the following remedies : - All funds to be returned as per terms of initial contract NOTE 1 : If we do n't receive any response from your side today, your case file will be downloaded automatically against you. After that, we are unable to help you and you will receive court summons at your door steps with the cost of the lawsuit around {$4500.00}. 

NOTE 2 : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THAN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 
NOTE 3 : Once the payment made in full then you will get an electronically generated payment receipt stating that your account has been paid off in full with XXXX balance and your case file is closed. 
This is our last warning to you ; kindly update us ASAP so that we can proceed. 
Do update us with your intention that you want to resolve this case or you want to dispute. 
If you do n't take this matter seriously then we will have no options rather than file case against you for the lawsuit cost of {$4500.00} in the courthouse. 
* If you will pay {$490.00} on Today then we will close this case outside the courthouse with this amount only. 
Kindly Co-operate with us so that we can close this case file outside the courthouse ASAP. Once this case file is downloaded we wo n't able to help you out. 
NOTE : THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS. 
Yours Sincerely, ( Collections & Legal Department ) XXXX XXXX ( C ) XX/XX/2017 | | Terms of Use | Careers | Complaints | Privacy Policy -- -- -Confidentiality Statement &