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What was the debt for?
Do you remember the debt?
If so, when was the last time you made a payment?
Ok, then this is a scam... We see this a couple dozen times a week here on the site.. The scammers have hacked payday lender's computers and gotten lists of people who took out loans long ago. Then they contact them and threaten to file criminal charges for theft or check fraud or sue them civilly if they don't pay up.
So even if this was legitimate, the statute of limitations in LA is 10 years for a breach of contract claim so it would have expired in 2014.
With that said, you can tell them to go jump off a cliff..
You are very welcome. Glad to help any time..
All the best to you and yours.