If you’ve ever taken out a payday loan, chances are that you’ve received an email like the following, regardless of whether you paid off the loan or not. The payday lenders like Speedy Cash swear up and down that they don’t have anything to do with this, but somehow their customer lists keep getting into the hands of fraudsters. To be clear, I don’t think Speedy Cash had anything to do with sending this specific email.
That said, let me walk you through all the elements of this particular email that tip it off as a scam:
From: Sherrill Green <[email protected]> Wait, the prestigious “Webster Law Firm” doesn’t have it’s own domain and you’re using a generic outlook.com account? That’s odd.
Date: Tue, Mar 30, 2021 at 1:07 PM
Subject: Case Activated Is this like activating a cell phone, because it took me like 6 hours last time and it was a total pain.
To: For privacy purposes I deleted the emails of 8 different people here. Anyone in a law firm understands how to use BCC. Also, it’s a violation of the Fair Debt Collection Practices Act (FDCPA) for a third party debt collector to disclose information about your debts to others.
CREDITOR : SPEEDY CASH SERVICES
CASE NO: -9824480 The same case number for all 8 people you sent this email to?
OUTSTANDING AMOUNT: $850.45 The exact same balance for all 8 people you sent this email to?
Subject : Unpaid loan Invoice
This Proceeding issued on you Huh? Docket No: – 9824480 Docket number or case number? They’re not the same. Also, how is there a docket number if there hasn’t been a case filed yet? with one Just one? Check into Cash Services 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 Not the accounts department! of “THE WEBSTER LAW FIRM” Why the caps and quotes? To make it look more scary? It’s working. *shudders* has decided to mark this case as a flat refusal I’ve decided to have Ramen for lunch, which has the same legal relevance. and press legal charges against you You press charges in a criminal case, not a civil debt collection you silly goose.
We have sent you this warning notification about legal proceedings on April 14, 2019 but you failed to respond on time now it’s high time Is that like high noon? Is there going to be a duel? if you failed to respond, we will register this case in court File it 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. Don’t forget to fax it to my mom, too, because she’s very strict. Also, this would be a FDCPA violation. Also, no employer is going to take any action based on a poorly written email. Your salary and all your wages confiscated. That’s not how this works. That’s not how any of this works. You can’t garnish wages because you don’t have a judgment. You don’t have a judgment because you haven’t filed a lawsuit. You haven’t filed a lawsuit because you’re a scammer.
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 law suit will be the next step which will be amounting to $5150.68 If the outstanding balance is $850.45, where does this amount come from? SPOILER ALERT – It’s a made up number to make the settlement amount sound like a bargain.and will be totally levied upon you and that would be excluding your attorney charges. This is some tasty word salad.
Please let us know what your intention is by today itself Today Itself sounds like the name of a yoga studio or a college acapella group. so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. You’re not going to do any of this because you’re clearly not a real law firm.
This is your last and final chance to settle this case if you don’t take it seriously Why would I settle a case I don’t take seriously?, we will surely take hard steps against your name and social So you’re coming at my Facebook account? and you will be the only person responsible for the legal consequences. 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. Are you trying to collect a debt or sign me up for a new loan?
IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT: mailto:[email protected] Sherrill Green uses an outlook.com email, but the attorney has gmail? Come on, “THE WEBSTER LAW FIRM”, you really should get your people all on the same system.
FIONA DIXON What happened to Sherrill Green?
Attorney at Law? Your email has the word attorney in it, but why don’t you identify yourself as a lawyer in your signature? Could it be because you’re not an attorney at all? I’d be surprised if you’re even a real person.
The Webster Law Firm
You don’t have an address, phone number, or website? Get it together, “THE WEBSTER LAW FIRM”.