Legal Question in Credit and Debt Law in Texas

I just got this email about a past due payday loan. Do I just ignore it?

My name is Julie Parker and I am a legal adviser with "Loan Payday". This email is about the criminal law suit going to be filed against your name so it has nothing do with bankruptcy.

Please read the legal affidavit carefully before asking any questions to you or to us.

Legal Affidavit :

Our client is pressing charges against your name regarding three serious criminal allegations:

count (1) Violation of federal banking regulations.

count (2) Collateral check fraud.

count (3) Theft by deception.

Now, this means three things for you. If you are under any state probation or payroll I need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed on your name.

This is to inform you that the creditors do have all the rights and authorities to inform your employer what you have done in the past and what will be the consequences once the case will be downloaded and executed against your name.

The entire cost for resolving this issue out of court will be $850 but if you like to fight this case in court house then this law suit will cost you over $4905 which is including loan amount, attorney's fees, and the interest charges. You have the right to hire a criminal attorney. If you don't have one or if you can't afford then one will be appointed for you, but please make sure you have someone to take you out of jail when the judge hears the case.

Some quick questions to know how innocent you are:

1_Have you done this intentionally or was it because of circumstances?

2_Who is pressing the charges? � Loan Payday

3_FDCPA is aware of your fraud � running away with all money.

4_If you have any doubt, we can send you loan agreement to prove you the legitimacy(It costs $50)

5_If you are regretting that you have done it intentionally and you want to pay it back then we can still help you.

6_If you want to dispute this case, just reply dispute and we will send local police/FBI to your place of employment to pick you up.

7_None of the above was a threat, it�s all legal warning allowed to us by all means of LAW in all states.

Reply us back to this email to resolve this issue or ready yourself for the courthouse or in the worse scenario in jail.

Best regards,

Julie Parker � Loan Payday Department.

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