Someone from XXXX and XXXX law firm text me me about my debt with speedy cash and this what they told me : Hello, this is the XXXX and XXXX LAW FIRM. This message is solely for, XXXX XXXX. 
We are representing XXXX XXXX. Founded in 1997, XXXX XXXX XXXX XXXX is the country 's leading provider of non-bank financial services, with approximately 2,100 centers across the country. The company is the Mother Lending company for companies like XXXX XXXX XXXX, XXXX XXXX XXXX, Speedy Cash, XXXX, XXXX, XXXX XXXX, XXXX XXXX and many more. The Company is a founding member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, whose mission is to promote laws that provide substantive consumer protections and to encourage responsible industry practices. XXXX XXXX is a wholly owned subsidiary of XXXX XXXX, one of the largest XXXX American providers of banking services, consumer finance and specialty retailing. 
The loan you have taken out became delinquent and the company has full rights to press charges on you. 
Details are below. 
Total Outstanding Balance ( Due Amount ) : {$1100.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) We have more evidence such as the Bank Account, Account & Routing Number, References ( With Phone Numbers ), Drivers License, Employer Name & Address, IP Address and many more. 
One Time Settlement Offer : 1 : {$400.00} XXXX Has to be paid Today XXXX. 
2 : {$650.00} ( {$200.00} Today and {$450.00} Paid Within This Week ) 3 : {$200.00} ( Bi-weekly starting from today until paid in full ) Or the Entire balance of {$1100.00} within the next 30 days. 
Consequences ( Further Legal Steps ) : 1 : Lawsuit Filed Under Several Sections 2 : Your Employer Will Be Informed.

3 : Credit Bureaus Will Be Notified So That It Could Be Reported to Your Credit. 
4 : References Will Be Informed.

5 : A Day in Court.

6 : Garnishment of Your Paycheck. 
Let us know whether you opt for a one-time settlement or payment arrangement for the whole amount, so that the account can be updated. 
Since this loan account is very past due, we would appreciate if you give this matter your earliest attention, as this account has to be updated on an urgent basis to avoid legal action. 
( Please not the legal affidavits have already been generated on your file, for filling it with the court house tomorrow first thing morning. As this is an urgent matter and needs your attention to it right away. You have time till close of business today ). 
Please contact the petitioners office. It is your legal right to do so. That number is XXXX XXXX XXXX XXXX. Thank you. That day they told me to get a XXXX XXXX gift card for XXXX  which I did and they want me to send a payment of XXXX a month from not to XXXX of next year for the total amount XXXX I called the website where I got the loan from and they said that it might be a fraud and for me not to send money but I still have the text where they message me and the picture of the receipt that they sent me.