Same thing has happen to me also. But I call the state attoneys office in my state and they said that if you had a arrest warrant they would never contact you by email. They would havea government email address not aol. Plus it stated that if I called and may payment arrangements they would not serve. Once a warrant has been issued it cannot be retracted from being served and you would not be able to make payment arrangements. If it was ligit it would not come to your spam folder. This is a bogus and a scam.
If you had an arrest warrant, the cops would have already shown up and arrested you! However, being that debt is civil, not criminal, no one is going to be arrested for failure to pay back a loan!