How very "cart before horse". Pay up now to be "rid of the consequences" and "avoid the charges". How about if they pay you instead for making veiled empty threats.

Consumer debts in America, including payday loans, are a *CIVIL* matter, not criminal! Honest debt collectors do not typically send their claims straight to a judge, and they don't take your ransom money to broker quick deals with so-called "process servers". There are no secretive "arbitrators", "mediators", or "prelitigation specialists", only sweaty criminals with a script full of bullying remarks. Lawful debt collection is a process, not an ambush, and you are due a chance at each stage to raise a dispute. The agents' horrid threats are empty and their conduct is illegal. Do not reward lawbreakers with your money. Challenge them always, sue them if you can.

FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

See also this FTC alert: "Fake Debt Collectors"
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

same email three times in 2 months.....numerous phone calls too......I thought Matt Williams was a retired MLB baseball player....how original.....even my security program rooted out this scam....what a joke

Just received the same message just 5 min ago this morning, and now it's a difference phone number and it's email in bold letters. I am really tired of these people, please do anyone out there know what to DO to stop this people.

I got the same email today!