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 You should not be frightened by email threats with online payday loans. They are almost certainly scams. Legitimate debt collectors know that under federal law they must send written notification of the debt. Don't engage with these folks and feel free to report them to the Internet Crime Complaint Center. Please read: 9 Signs You Are Talking to a Debt Collection Scammer.

 Please do not respond to an email threat. Instead, we urge you to report it to the Consumer Financial Protection Bureau. You should not be threatened at all. And having a case number or even a Social Security number does not mean that the debt collector is legitimate.

It is frightening, to be sure, but scammers use that fear to get people to pay money they do not actually owe. Before you pay anyone anything, make sure you owe it, and that they own the debt. (They are required by law to send you a "validation of the debt" by postal mail.) And please do not agree to pay via a prepaid debit card. More about that here: The One Way You Should Never Pay a Debt Collector.

Please report spam emails to: spam@***.gov

Location: Tacoma, Washington

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Okay bet what if you've already start paying them and come to find out they are scammers

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