David Enwall Esper Law Sent me an email saying they were giving me notification that quick payday loan was going to file legal proceedings in my name for the loan I owe.
Got an email from David Enwall at Esper Law Firm saying Quick PayDay was going to file a lawsuit against me in court. The email says I work at a company I haven't been working at for over 4 years now, but does have my ss# and drivers license number. The email doesn't have an amount I own, no link to the website to check your account and no contact info. This is the email that was sent: (removed personal information from email)
Date: March 26th, 2018
Dear:
SSN:
DOB:
Employer: macys (don't even work there anymore)
Driver’s License#:
Drivers State:
Reference#: CH25936
Plaintiff: Quick Payday
This letter is a prior notification to you regarding your account with Quick Payday before your file gets registered inside the courthouse with the legal procedures on your name.
This notice will certify that a petition has been entered against you. The above name entity individual respectfully requests that you immediately settle this account. This consideration includes the penalty fees, judge fees; courthouse fees, etc. It may put you in a legal mess.
Since you have not made the payment, we would be forced to commence lawsuit without further delay followed by all the legal interrogatories and consequences; this could further jeopardize your credit ratings, and your social will be hampered. The company holds the prima facie regarding your case.
The longer you go without paying your payday loan, the more you will owe the lender. Because money lender often charges hefty interest rates (up to 600% annually) and fees for nonpayment. Some states have rules related to how much interest a payday lender can charge, however, other states, such as Texas; allow payday lenders to charge unlimited interest and fees for nonpayment.
Besides, non-repayment of the loan will be reported to the three major credit bureaus causing severe damage to your credit score, jeopardizing your credibility in future. Defaulting on loan obligations may result in not being able, or being less able, to borrowing again in the future from other credit institutions, the collection action will stay on your credit report for seven years.
Also, to inform you that this loan was provided to you against your paychecks. My claimant that's your Quick Payday has all the rights and is authorized to Email/Fax the official copy of the court subpoena to your human resources or the legal representative of your firm. Wherein, they have to appear in the court while the case is on which would be resulting in termination from the full-time employment and to make sure they take strict actions against you. Consequently, your salary/wages will be garnished.
This is the last warning before taking further actions on the judgment against you. Failure to this notice will require us to utilize one of the enforcement as mentioned above options against you. No further notice will be given before further enforcement actions on this judgment.
If you have any issues regarding this matter reply us back and we will contact you as soon as possible to help you to get out of this issue.
Sincerely,
David Enwall
Legislation Department
Esper Law Firm
I looked up this law firm online and they don't even handle payday loan lawsuits, they work in the construction injury field. Also, there is now payday loan company called Quick PayDay, so I know the email is fake. I will be sending it this information to the government and the FTC.
If you have been contacted by this individual or someone else using the same ruse, please go to this website for help with reporting them so we can stop this scam; https://www.consumer.ftc.gov/articles/0003-phishing