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Is this a payday loan of which you are aware? Or, is this something that is a surprise to you? If the former...when did you take out this loan? Thanks.
Thanks...that's what I presumed because this mirrors an ongoing scam with almost exactly the same situation where they try to collect money not owed by scaring people. Respond to the sender by informing him that you do not owe this debt, that his communication violates Federal and state law, and demand he immediately cease and desist all further efforts to contact you and/or anyone else to collect this debt. Inform him that his threats of criminal prosecution constitute a violation of state law and the Federal Fair Debt Collection Practices Act and that you will be reporting each and every violation to your state's attorney general's office and the Federal Trade Commission. Each violation carries at least a $1,000 fine at the Federal level. Also let him know that should he be stupid enough to file any negative credit report, you will be filing a defamation suit against him for both your actual and punitive damages. In my experience, the fines under the Federal Act, and the report to the attorney general's office, and the threat of the defamation should be an end to these collection efforts.
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