I just got this email from them today :Loan Company- Advance America Loan Account # B8069152 Outstanding Amount- $1086.00 Despite our previous reminders, I note that the above invoice for $1086.00 remains overdue for payment. As such, we would appreciate you making this payment as soon as possible. Settlement options available(Till April 6th 2018). I regret to advise that unless payment is received this invoice will be passed over to our lawyer. This could seriously affect your credit rating, so I urge you to contact us immediately to make payment before this date or arrange an alternative. Thank You