From: Collection Department <firstname.lastname@example.org>
Date: September 4, 2018 at 5:52 PM
Subject: Re :Your Loan Payback Time Has Been Expired
September 4th, 2018
Capital Loaner Commission
Dear: terry sadler
CASE FILE#: DA-331963/NY-2891
This is final notify you that terry sadler, going to be legally prosecuted in the Court House within 24 hours your debt is total remaining balance for $1,260.00.
We have given you more than enough time to complete the payment but you didn't complete the payment and any response.
We have repeatedly advised you of your long overdue balance in the amount of $1,260.00. Since you have not made 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 hours. This will be your final opportunity to resolve matters without the expense of court proceedings.
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.
If the negative information on your credit report is true, you cannot change the report. The only way to get a better credit report is to improve your spending and bill paying habits. In time your credit report will improve. Credit reports show up to 20 years of negative information.
Bankruptcy filings can be listed on your credit report for 10 years. Most other debts can be listed for 7 years. (M.G.L. c. 93, s. 52).
If your credit is bad, you can work towards building good credit.
• Pay back the debt you owe.
• Do not borrow money that you cannot pay back.
This file has been listed as a primary suspect returning this by email. I hope this is acceptable.
We are prepared to proceed with legal action. However, our clients would prefer to give you one last opportunity to make payment and avoid legal action. Accordingly, IF you want to settle this account without any legal procedures and discuss anything please contact us by email undersigned immediately,
Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse,
Capital Loaner Commission
Collection Agency/Legal Counsel.
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