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Is This Email I Got About an Old Debt for Real?

Written by Steve Rhode

“Dear Steve,

Out of the blue I received the attached e-mail. Now I know from reading the Fair Credit Act, that this method of notification isn’t good. The 1st letter I received said they couldn’t reach me about the debt, but the 2nd letter had my name, address, ect on it. I believe this is a scam.

What do u think about this?

Alleged Email

Lucy Smith
to bcc: me

Inline image 1
Case File No: KLA1523

Total Outstanding: – $720.00

Loan Company: – Cash Net USA

Case File Transferred: May 2014

As we put your SSN into our National Checking Database System, we found that you have been never charged for a fraud activity & that is the reason Court has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and SSN. Now if you want to take care of this issue than you have to pay an out of Court Restitution Amount which includes the late payment charges, penalty charges, interest rate on the loan amount and actual loan amount = Restitution Amount which is $720.00 or else the lawsuit amount which is about $4203.86 WILL BE DOWNLOADED AGAINST YOU. If you want to settle this matter today itself, then you can get some percent deduction on the Restitution Amount and you can take care of this issue by making the payment of the Settlement Amount today which is $420.00. You have to send us a promissory note to stop your case file temporarily out of the court house. So get back to us ASAP.

We are very sorry to say that you are going to be legally prosecuted in the Court House within Three days. Your SSN is put on hold by the US Government, so before the legal charges get really serious against you, we are notifying you about these legal charges. But as we were not able to reach you so we are sending you a final notification Email. Your case file KLA1523 and since itís a legal matter you will need our help, so reply us right now to make a payment and freeze down this case.

AS YOU ARE A DEFAULTER ON THIS CREDIT, UNITED LEGAL INVESTIGATION BUREAU HAS STATED three SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION
(2) COLLATERAL CHECK FRAUD
(3) THEFT BY DECEPTION

Now, this means a few things for you. If you are under any state probation or parole we need you to inform your reporting officer or manager about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the Internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.

READ  The Debt Collector Said I Will Be Arrested So I Paid a Debt I Didn't Owe

The Factual Basis for the complaints is as follows:

You accepted to return the funds from this aforementioned advancement as per contract.
And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, KLA INC is seeking either of the following remedies: –

All funds to be returned as per terms of initial contract

Dear CUSTOMER as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. Also we would like to know when you can pay the requested $720.00 to settle this case.

This is our final notification to you as we found you to be a genuine person as told you before. You can resolve the issue by paying out of Court Restitution Amount/ Settlement Amount as decided by the Court House. You have to give us a flat answer without any excuse.

If you want to resolve this matter then reply back to this email immediately during working hours. (Monday to Friday 8.30 am to 8.30 pm EST)

Lucy Smith

RESOLVE OFFICER

NOTE: THIS CASE IS UNDER INVESTIGATION UNDER CREDIT BUREAU.
KLA | Privacy | Terms of use
—————————————————————————————————-
Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

Kivlighan Law Associates

READ  Frightening Calls From Fake Debt Collectors Threaten People With Jail for Payday Loans. It's a Scam.

The Commerce Building, 201 E. Commerce Street, Suite 346, Youngstown, Ohio 44503

John”

Dear John,

There is a special word for emails like this, bullshit.

Mike Kivlighan, Esq. says he’s been dealing with people using his name for a long time. He’s just the unfortunate guy who some scammer latched on to in hopes it made the email look real. In fact he’s a really nice guy who is a victim in this mess just like you.

The email you got sounds painfully similar to the fake debt collector payday loan scheme that has been out and about for years. Basically the fake debt collector threatens people with jail if they don’t pay. The reality is there is no underlying loan to begin with. It’s all a sham.

If you have experience in dealing with these issues, which most people don’t, there are a number of clues that help to reaffirm the bullshit diagnosis.

For example, “National Checking Database System” doesn’t even make sense.

They say, “you have been never charged for a fraud activity” so does that mean there was fraud on your account and you are entitled to protection?

Do You Have a Question You'd Like Steve to Answer? Click Here.

“The lawsuit amount which is about $4203.86 WILL BE DOWNLOADED AGAINST YOU,” that makes no sense. Downloaded against you?

Then there is the bit in the address, “to bcc: me” which makes it appear a load of people all got the same bullshit email. It looks like you were just included on a big list that was hidden by blind carbon copying recipients.

I could go on, but you get the point.

If they contact you again let them know attorney Mike Kivlighan says he has nothing to do with them or this email. Ask them for their contact information and the name of the agent you are speaking with. They will run for cover or provide you with fake details.

Typically the way they get your information is to buy it from some online payday loan site. The FTC has taken action against such bad actors in the past but it persists.

Please post your responses and follow-up messages to me on this in the comments section below.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

8 Comments

  • I received the exact email and it scared the crap out of me. Once I read this I started calling people to borrow money because 2 months in jail blew my mind. They also said I will be served papers and need to report to court.

  • I got the same email they didn’t even change the case number! pure stupidity..This isn’t the first one i have received just the first from this name and i hadn’t received one in a while.. Plus I got a call from the same scam artists using the same hook, they even left the same message for 3 months straight each time saying I would get a subpeona in the mail any day one year later…nothing… but I never had any debt like it and there were soo many others that had the same scam happening and some paid! Why hasen’t any government entities done anything about this! This is ridiculous! .

  • I just got this email today, with all of the same information in it. I’ve had scammers try to get me with the other one going around like this, and when you ask for a hard copy to be sent to you, or any kinds of records, they run like roaches from the lights being turned on. I’m sorry the real Mike Kivlighan has to deal with these people ruining his name and possibly reputation!

  • I got this exact email, i replied, and every time i kept asking okay can you please tell me what account was used, or can you tell me what bank the money went i kept getting “i will explain how the payments work” and when i said well i never received any money i was told “Ok we are going ahead with Legal Action against your ssn number. Thank You”

    sender email: kla.debtcollection [email protected]

    this happened just 3 hours ago

  • I just received an email from the same place. Here it is

    Case File No: KLA 1523

    Total Outstanding: – $1020.00

    Loan Company: – Cash Net USA

    Case File Transferred: May 2014

    As we put your SSN into our National Checking Database System, we found that you have been never charged for a fraud activity & that is the reason Court has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and SSN. Now if you want to take care of this issue than you have to pay an out of Court Restitution Amount which includes the late payment charges, penalty charges, interest rate on the loan amount and actual loan amount = Restitution Amount which is $1020.00 or else the lawsuit amount which is about $4203.86 WILL BE DOWNLOADED AGAINST YOU. If you want to settle this matter today itself, then you can get some percent deduction on the Restitution Amount and you can take care of this issue by making the payment of the Settlement Amount today which is $420.00. You have to send us a promissory note to stop your case file temporarily out of the court house. So get back to us ASAP.

    We are very sorry to say that you are going to be legally prosecuted in the Court House within Three days. Your SSN is put on hold by the US Government, so before the legal charges get really serious against you, we are notifying you about these legal charges. But as we were not able to reach you so we are sending you a final notification Email. Your case file KLA1523 and since it’s a legal matter you will need our help, so reply us right now to make a payment and freeze down this case.

    AS YOU ARE A DEFAULTER ON THIS CREDIT, UNITED LEGAL INVESTIGATION BUREAU HAS STATED three SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

    (1) VIOLATION OF FEDERAL BANKING REGULATION
    (2) COLLATERAL CHECK FRAUD
    (3) THEFT BY DECEPTION

    Now, this means a few things for you. If you are under any state probation or parole we need you to inform your reporting officer or manager about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the Internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.

    The Factual Basis for the complaints is as follows:

    You accepted to return the funds from this aforementioned advancement as per contract.
    And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.
    At present, KLA INC is seeking either of the following remedies: –
    All funds to be returned as per terms of initial contract
    Dear CUSTOMER as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. Also we would like to know when you can pay the requested $1020.00 to settle this case.

    This is our final notification to you as we found you to be a genuine person as told you before. You can resolve the issue by paying out of Court Restitution Amount/ Settlement Amount as decided by the Court House. You have to give us a flat answer without any excuse.

    If you want to resolve this matter then reply back to this email immediately during working hours.(Monday to Friday 8.30 am to 8.30 pm EST)

    Angela Dutler

    RESOLVE OFFICER

    NOTE: THIS CASE IS UNDER INVESTIGATION UNDER CREDIT BUREAU.
    KLA | Privacy | Terms of use
    —————————————————————————————————-
    Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

    Kivlighan Law Associates
    The Commerce Building, 201 E. Commerce Street, Suite 346, Youngstown, Ohio 44503

  • Well, I guess I’ll be seeing you in court, since we have the same case number listed on our emails! Geez. I do have an outstanding payday loan; I fell on hard times, and like many others, I resorted to desperate measures of obtaining a payday loan. Harder times came, and I couldn’t finish paying the payday loan off. I have every intent of paying it as soon as possible, in an attempt to repairmy credit, but I want to make sure it actually pays off the loan, and doesn’t go to some scammer. Our emails are almost identical, with the same exact amounts owed, and the same case number. Hmmm…

  • I got this SAME exact email a few days ago. I am have a few outstanding debts with 3 payday loan places 🙁 And, am trying to raise enough money to get them all paid back. However when I saw this I freaked out. I sold some of my belongings trying to raise enough money to pay them back. But, prayed a lot about it and i started thinking i should look it up. When I did, I found this. Thank you for posting this. I would have lost what I had already saved up to pay off my debts, if I had not see these posts.

    I had replied to them, and this is what they sent me back. (they also called and left a message about the debt being paid ect.)

    This was the second email from them:

    “Please note that the Court House will never accept any Payment made through Credit / Debit / Prepaid Card as all the payments need to b made through federally bounded company.

    Payment Method (Federally Bounded Payment method accepted)

    You can make payment through – Money Pak Card.

    Let me explain you how to make the payment:

    1. Go to any of the drug store like (7Eleven, Walgreen, CVS, Raid Aid, Dollar General)

    2. Buy “Green dot moneypak scratch off coupon” you have to upload ($) amount, it will cost you around $4.95 it’s a small scratch off paper coupon (make sure that you don’t have to buy any plastic card. no visa, no master, no gold, no debit card etc)

    3. On back of that coupon, you will find silver scratch-able strip, scratch it out and it will reveal 14-digit number.

    4. Email us with 14-digit number so that I can attach that number to your file and transfer to our legal head department as well as to our attorney to prevent the legal action against you.

    Below you can see attach photo copy of Money Pak Card.

    Let us know what time you will send that 14 digit number so that I can hold your file and prevent any legal actions against you.

    Your prompt reply is must.”

    • There is a government website to turn in these scammers it links you to the appropriate agency based on the scam type but i can’t find it today.. However i found this. PLEASE use this info you got from them to turn them in the more that turn them in the more likely they are to investigate and nobody takes the time to turn them in.https://www.ftccomplaintassistant.gov/Details#crnt
      http://www.consumerfraudreporting.org/cfr.php?URL=https%3A%2F%2Ftips.fbi.gov/
      they have a list on this website as well that says exactly what to do and who else to report it to, they say to report to the two above and state attorney general. This info might help! maybe they can make a false payment and track it! Just because we don’t have perfect credit, even though I have talked to people who reported being emailed from them with perfect credit (they must not have too much info) , it doesn’t mean we have to put up with this… the worst thing they are going after people that are having monetary troubles already that’s down right evil. The people that will fall for this are good people that want to pay off their debts and do not owe them by choice. I think that is the worst part.

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