"Advantage Credit Union Debt Legal Notice" Scams

"From: Collection Department Sent: Monday, August 31, 2020, 9:35 AM Subject: FINAL NOTICE-OUTSTANDING ACCOUNT Dear: Lauree Long We have given you more than enough time to make the payment but you didn't make the payment. Now your case file has been forwarded to our attorneys and they are going to file a lawsuit within the next 1 day. You have to pay $3589.00 inside the courthouse including all legal charges, Attorney fees, Judge Fees, Proceeding fees, and more. You still have the last chance to make the payment. You are having 4 payment making options which are given below. Total Due Balance: $1180.00. 1) We will accept 3 Installment $360.00 payments every other weekly. 2) 2 Installment $510.00 payments every other weekly. 3) Settlement one-time full payment: $750.00 today to close your case file. 4) For your special offer, I told you to make payments of $110.00 payments every weekly. Which option do you prefer to make the payment? IF you want to pay then make the payment today immediately or give me your final answer so I can move on further. Reply me back immediately so I can put a hold on your case file. Thank You." Here is another scam.

I received an email with same info:
Our company name is American Debt Collection Inc. Which stands for the association of original creditor and Settlement Company. American Debt Collection Inc. Is parent Payday Loan Company who owns and operates about more than 442 payday loan websites all over the USA.
LOAN INFORMATION.
Case File No: (Case file #B62-4QP-560790BN)
Company Name: American Debt Collection Inc.
Principal Amount: $400.00
Penalty & interest Amount: $780.00
Total Due Balance: $1180.00
Now I want to know what do you want to resolve this matter outside the courthouse or not.
Reply me back at your earliest convenience so I can be in a position whether to put a hold on your case file or to proceed it inside the courthouse.

Sincerely,
COURT-ORDERED DEBT COLLECTIONS
Cc: Debtor's Higher Level
CC: Collection Agency/Legal Counsel

"careadvantagecreditunions002@outlook.com
Dear:

This is in regard to your loan account with the loan amount of $400.00 was taken from the Company and no payment has been made on behalf of it. As of now, the total outstanding balance is $1180.00.
As the Company did not receive your payment so we are going to file this case against you on Friday, June 19th, 2020 at your district courthouse.
To know the courthouse kindly visit http://www.uscourts.gov/court-locator with your zip code.
You will be served with a notice to appear at your district courthouse in the next three business days.
If you can come up with onetime payment of $820.00 then this loan account will be marked as paid in full or you can also make a payment arrangement for the total outstanding balance of $1180.00.
Let us know whether you are willing to take care of this loan account of yours or not by replying back on the same email address, so that we can update the account and proceed ahead with the legal action accordingly.
If no response is received by Friday, June 19th, 2020 then this case file will be executed as mentioned.
Regards,
Manager,
American Debt Collection Inc."
I received today. I have taken a loan from the company

The email is a fake.

Here is another scam: - Forwarded message - From: Administrative Department Date: Fri, Jan 17, 2020 at 10:28 AM Subject: Log Of Proceedings Electronically Recorded Dear: We have repeatedly advised you of your long overdue balance in the amount of $1090.00. Since you have not made the payment we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you contact us within the next 24 hrs. This will be your final opportunity to resolve matters without the expense of court proceedings. Very truly. If once the case gets download in the court then it will add Late payment fees, Documentation fees, Penalty fees, Judge fees and Attorney Charges and Court House fees which may go up to $3589.27 and submitted your case file inside the FBI. Headquarters. WE HAVE WARNED YOU SO MANY TIME AND YOU HAVE DECIDED TO IGNORE OUR E-MAILS OR BECAUSE YOU BELIEVE WE HAVE NOT BEEN INSTRUCTED TO GET YOU ARRESTED, AND TODAY IF YOU FAIL TO RESPOND BACK TO US WITH THE PAYMENT THEN, WE WOULD FIRST SEND A LETTER TO THE MAYOR OF THE CITY WHERE YOU STAY AND DIRECT THEM TO CLOSE YOUR BANK ACCOUNT UNTIL YOU HAVE BEEN JAILED AND ALL YOUR PROPERTIES WILL BE CONFISCATED BY THE FBI. AS A GOOD CHRISTIAN AND A HONEST MAN, I DECIDED TO SEE HOW I COULD BE OF HELP TO YOU BECAUSE I WOULD NOT BE HAPPY TO SEE YOU END UP IN JAIL AND ALL YOUR PROPERTIES CONFISCATED. YOU NEED TO DO EVERYTHING POSSIBLE WITHIN TODAY AND TOMORROW TO GET THIS PROCESS DONE BECAUSE I LEARN THAT YOU WERE SENT SEVERAL E-MAIL WITHOUT GETTING A RESPONSE FROM YOU, PLEASE BEAR IT IN MIND THAT THIS IS THE ONLY WAY I CAN HELP YOU AT THIS MOMENT OR YOU WOULD HAVE TO FACE THE LAW AND ITS CONSEQUENCES ONCE IT HAS to BEFALL ON YOU. I just want your final answer whether you are going to make the payment. Just answer me Yes or No. Replay as soon as possible so we can put hold your case file. Thank You.

They are also using careadvantagecreditunion001@outlook.com.
They had my full SSN in the email as well, so I’ve already placed a fraud alert on my credit file.
Please note and pass on that emails are not admissable in court of law so no debt collector would send something this this way if they are worth their salt or honest.
Also this isn’t how legal actions are filed - so anything by text or email is going to be fraud phishing.

They are using this email: careadavantagecreditunions@gmail.com

Received via email: - Original message - From: Administrative Department Date: 9/27/18 9:32 AM (GMT-05:00) Subject: FINAL NOTICE Dear: S.S.N: 4- City: NIXA This is in regards to your loan account with the loan amount of $400.00 was taken from the Company and no payment has been made on behalf of it. As, of now the total outstanding balance is $1280.00. As the Company did not receive your payment so we are going to file this case against you on Friday Sept 28th, 2018 at your district courthouse.

Yes I've gotten threatening emails from them saying that I owe 1280. I'm tired of it, they have threatened with messing with my social security number by putting it on a freeze, these ppl need stopped. I tired of it
Tina.

Here is another scam: "From: Robort Willams Date: Thu, Sep 6, 2018 at 3:23 PM Subject: COURT NOTICE Advantage Credit Union. Total Outstanding: - $1280.00 One Time Settlement: - $850.00 before Friday (Case file #UD-192170K) Dear: Account repressive As we didn't receive your payment so, we are going to file this case on Friday at your district courthouse, to know the courthouse kindly visit http://www. uscourts.gov/ court-locator with your zip code. You will be served with a notice to appear at your district courthouse in next 1 business days. WE HAVE WARNED YOU SO MANY TIME AND YOU HAVE DECIDED TO IGNORE OUR E-MAILS OR BECAUSE YOU BELIEVE WE HAVE NOT BEEN INSTRUCTED TO GET YOU ARRESTED, AND TODAY IF YOU FAIL TO RESPOND BACK TO US WITH THE PAYMENT THEN, WE WOULD FIRST SEND A LETTER TO THE MAYOR OF THE CITY WHERE YOU STAY AND DIRECT THEM TO CLOSE YOUR BANK ACCOUNT UNTIL YOU HAVE BEEN JAILED AND ALL YOUR PROPERTIES WILL BE CONFISCATED BY THE FBI. AS OUR DIRECTOR HAS ALREADY BEEN NOTIFIED ABOUT YOU GET THE PROCESS COMPLETED YESTERDAY AND RIGHT NOW THE WARRANT OF ARREST HAS BEEN SIGNED AGAINST YOU AND IT WILL BE CARRIED OUT IN THE NEXT 8 HOURS AS STRICTLY SIGNED BY THE FBI DIRECTOR. YOU NEED TO DO EVERYTHING POSSIBLE WITHIN TODAY AND TOMORROW TO GET THIS PROCESS DONE BECAUSE I LEARN THAT YOU WERE SENT SEVERAL E-MAIL WITHOUT GETTING A RESPONSE FROM YOU, PLEASE BEAR IT IN MIND THAT THIS IS THE ONLY WAY I CAN HELP YOU AT THIS MOMENT OR YOU WOULD HAVE TO FACE THE LAW AND ITS CONSEQUENCES ONCE IT HAS BEFALL ON YOU. SEND THE PAYMENT AS SOON AS POSSIBLE. MAKE SURE THAT YOU DIDN'T HESITATE MAKING THE PAYMENT DOWN TO THE AGENCY BY TODAY SO THAT THEY COULD HAVE THE CERTIFICATE ENDORSED, SIGNED AND STAMPED IMMEDIATELY WITHOUT ANY FURTHER DELAY. Reply immediately with your final answer so I can move on further on the bases of your answer. Thank You."

I have been threatened with many emails saying the same as the one shown above n I need to know if I need to worry about this.
They threatened to put a hold on my social security n ect. I don't need them doing it so I really need to know if need to worry about this.also say they have an attorney involved