Product: Payday loan, title loan, or personal loan

I took out a payday loan a couple of years ago due to unemployment and I 've experienced a lot of life changes over the past two years. I had a baby on  XXXX   XXXX ,  XXXX  and I work   XXXX   XXXX   as an  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  . I do n't make a lot of money and reached out to Ace with an offer of what I could pay and they sent me this email ....     CREDITOR : ACE Cash Services CASE NO :  XXXX  AMOUNT OUTSTANDING : {$970.00} This Legal Proceedings issued on your Docket Number  XXXX  with one of  XXXX   XXXX   XXXX   XXXX  in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of  XXXX   XXXX  has decided to mark this case as a flat refusal and press legal charges against you.     We have sent you this warning notification about legal proceedings on  XXXX ,  XXXX  but you failed to respond on time now its high time if you failed to respond in next 12 HOURS so we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict against you. Your salary and all your wages will be garnished.     Do revert back if you want to get rid of these legal consequences so make a payment today or else we would be proceeding legally against you and we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.     You can Email back to get the payment mode too.   We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$7400.00} and it will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.     Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to you r local county s heriff department and you will be served by court summons at your door step.     WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.     Dear debtor, as we were investigating your profile credit burea u & social security administration  we need some right answers from your side. Also we would like to know when you can pay the requested {$970.00} to settle this case.     To resolve this issue contact us during the working hours Monday to Saturday  XXXX   XXXX  to  XXXX    XXXX    EDT reply back to this E-mail to get in touch with the representative.     Yours sincer ely Collections & Legal  Department  XXXX   XXXX   XXXX   | | Terms  of Use | Careers | Complaints | Privacy Policy -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privac y Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dis semination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.