Complaint Review: Loan Officer Carl Davidson From Cash-Advance Inc.

This is what I recieved:

Shepherd R. Jay

Loan Account Number #DT 7745230

Amount Due $1450.61


This is Loan Officer Carl Davidson From Cash-Advance Inc.  

This is the last and final chance for you.

This Legal Proceedings issued on your Docket Number PR-782367 with one of Cash Advance Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Cash-Advance has decided to mark this case as a flat refusal and press legal charges against you.
 
CASE NO:  DF-PK-78581

ATTENTION 
Amount Outstanding $1450.61


WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. TERMS & CONDITIONS, YOU AGREED.

We have sent you this warning notification about legal proceedings of March 8, 2014. But, you failed to respond on time. Now, It’s high time and If you fail to respond in the next 4 HOURS then we will register this case in court. Consider this as a Final Warning. And we will be Emailing/ Fax this issue to your Current Employer to make sure they take strict actions against you. Your 
salary, wages will be garnished.

Do revert back if you want to get rid of these Legal Consequences and make a payment arrangement today or else we would be proceeding legally against you. And our apologies that this notification will also sent to your current employer. 

The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.


We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your Employer and your References regarding this issue and the lawsuit will be the next step which will be amounting to $6300.00 and will be totally levied upon you and that would be excluding your attorney charges. 

If you take care of this out of court then we will release the Clearance Certificate from the court and we will make sure that no one will contact you in future.

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your Local County Sheriff Department and you will be served with a court summons at your door step.

Note : This notice is provided to you on behalf of Cash-Advance Inc. and its parent company 

By electronically signing this Loan Agreement by clicking the "I AGREE" button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

PAY THROUGH OUR PAYMENT PROCESSING PARTNER MONEYGRAM

Cash-Advance Inc (Accounts Dept.)

25954 Eden Landing Rd.
Hayward
CA 94545
United States


Thanks & Regards,
DEBT COLLECTION TEAM

Ps. How do I protect my family from this?

I have not given into this scam and had done my resurch BEFORE I signed or agreed to anything and hope it dont follow me in my life. However I did reponde to the email saying i am on to him/her. 

I never, ever use cash back services. I know better.