These people are so unprofessional, they are scammers trying to act like you owe them money, they threaten to sue you but are not looking to validate the claim, just threats.
Got the same thing from Chloe saying the same thing letter of intent blah blah blah. Called the number talked to Micheal Dimitry told me I defaulted on a payday loan from Quick advance same crap their scammers. I told him to send me the info. He said he would email it to me clearly American I'm waiting for the letter of intent.