Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NATIONAL DEBT RELIEF LLC
State: NM

Complaint narrative:
Dear Attorneys at Law. Please take into consideration the following. This email is intended for the recipients only ( Insert name. ) If you are not the intended recipient of this message, disregard this email. The following recipient. Name : ( Insert name ) has a Pending Lawsuit ; to avoid any legal actions, please come to an understanding with the debtor. If the following request is not met, understand that this will result in the subsequent consequences. CREDITOR : XXXX XXXX NO LONGER HAS ANY LEGAL RIGHTS WITH THIS ACCOUNT CASE FILE : XXXX. # XXXX DUE AMOUNT : {$3600.00} ACCOUNT SOLD TO XXXX XXXX XXXX XXXX, Debt Collection Law Firm : IF YOU WANT TO SETTLE, REPLY TO THIS EMAIL WITH YOUR INTENTIONS. We wanted to inform you about an outstanding debt under XXXX XXXX : XXXX. # XXXX. The total balance at placement is {$3600.00}, and the debt is currently with a debt collector. If you want to settle this debt. You are entitled to an Out Of Court Restitution ( OOCR ) We have attempted to contact you regarding this debt at your phone number, ( Phone number ), but have not received a response. As a result, XXXX XXXX ( Creditor ) has marked this file as a flat refusal to pay and has sold the account to our office for legal collection. Please remember that if you do not respond to this notification, legal action will be taken against you, and the charges will amount to {$8600.00}. We'd like to ask you to respond with your intentions to this email to resolve this matter and avoid further proceedings. We offer several repayment options to settle your debt, which are as follows : - Option 1 : 20 months of {$180.00} - Option 2 : 15 months of {$220.00} ( saving {$220.00} ) - Option 3 : 10 months of {$310.00} ( saving {$500.00} ) - Option 4 : 6 months of {$470.00} ( saving {$750.00} ) - Option 5 : 1 payment of {$2600.00} ( saving {$1000.00} ) Please let us know which option you prefer by today to avoid legal action. This is your last and final chance to settle this file. We promise you that we will take care of this with the utmost professionalism and confidentiality. If you have any questions or concerns, please do not hesitate to contact us. AS YOU ARE A DEFAULT ON THIS CREDIT. XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : 1. Breaking Of Legal Agreement With Our Office. Act - Section 1848-14 2. The Violation of the Federal Banking Regulation. Act - Section 659-14 3. Collateral Check Fraud. Act - Section 11-25-14 4. Theft by Deception. Act - Section ZXC1125-14 AGAIN, IF YOU WANT TO RESOLVE THIS MATTER. THEN REPLY TO THIS LETTER WITH YOUR INTENTIONS ASAP TO TAKE ADVANTAGE OF THE SETTLEMENT AMOUNT. Thank you for your attention to this matter. Sincerely, National Debt Relief, LLC XXXX XXXX Debt Management Services | FDCPA Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521, and is intended only for the use of the individual or entity to which it is addressed. Any unauthorized review, retransmission, dissemination, 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 sender and permanently delete this message. Copyright XXXX National Debt Relief | Privacy | Terms of use | Carrier.

Company response to consumer: Closed with explanation