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 I will start with the two emails I received to better illustrate my case: Dear Debtor, As you are aware, you have a small pay day loan bill of $986.45 that remains unpaid. We feel we have done everything possible within reason to collect the money you owe us. We have decided that unless you make immediate plans to repay us this money, we will write this debt off our books and claim it as “bad debt loss” to the IRS. Did you know that any money you owe us and don’t pay should legally be declared as “additional income” for you or your business during the year in which you incurred the debt? If we decide to write off this debt, we will use IRS form 1099-A which will show the IRS that the $986.45 became income for you and bad debt for Advance Cash America. You can avoid the unnecessary actions by immediately replying us back. For any queries feel free to e-mail us back. We will be handling this matter over with you and will be providing you some pay off or Settlement options if available. Thank You Here is a simple question: Do you really want the IRS poking around your tax returns to see if you claimed that money as income? Wouldn’t it just be easier to pay your bill? After responding to this email, I received an email at least 30 seconds later with this rebuPlease We are talking about the loan amount of $300.00 that you took with the company Cash  Advance USA  which has now gone up to $986.45. The company have more than 14 technical evidences in order to prove that the money was successfully deposited into your bank account. Kindly get back with us and let us know whether you want to take care of this legal case outside of the court house or not so that we can proceed further and update your case file accordingly. Best Wishes Something tells me this is not real, especially after I realized "services" was spelled wrong. Please do not believe this scam. I have my ways of getting out of them, but do yourself a favor and trust your gut over your eyes. I have only had the wool pulled over mine once and that was a grant scam. If I could remember the information for that one, I would put it down believe me. It was around the same amount of money.