This is what I got and I replied back for proof and they did not reply back until I got the harrasment phone calls to work and home.

From: Legal Attorney - New York <[email protected]>
Date: Tue, Sep 4, 2012 at 7:36 AM
To: Legal Attorney - New York <[email protected]>




This e-mail is in reference to your account with Advance Cash Expert. This account has been referred to my office for collection action. We are a Legal Attorney based in Michigan and New York. As per the client you are currently several payments behind on this pay-day loan account. The total outstanding amount on this account is $605.00.

I have been instructed to bring legal action against you as may be necessary, which may result in Judgment.

The file indicates that you have failed or refused to pay the above claim even though it appears just, owing, and correct.

You are hereby further advised that if payment is not set up within 2 business days of the date of this issue, suit in small claims court may be commenced against you forthwith and without further notice for the amount indicated above, together with prejudgment interest. Instead of small claims court, this matter may be referred for suit in municipal court.

As I am sure you are aware, if this matter goes to suit, all court costs, process server's fees, sheriff's fees, attorney fees where permitted, and other post judgment costs will be added to the amount that you already owe.

You can avoid the unnecessary actions and further expenses of a lawsuit by making immediate reply to us. For any queries feel free to call us on (231) 354-2500.




Sincerely,


Mike Jones,
Legal Consultant

Legal Group of Attorneys (Nationwide)

New York
(231) 354-2500