I received a letter stating I am in pre-litigation for an account severly over due in the amount of $1450.00 to a creditor called LTS Management. They have a case file and the last 4 of my ssn. I see other reports about them asking for the same amount from other complaint reports. I am not stupid. If you are really in trouble with someone; the letter would show up as registered mail. The fact that it is claiming to be legal procedings and is not registered tells me they send out a lot of them. I can not find a listing for LTS Management that has any relevance. Just a list of payday loan companies I have never heard of.