How should I respond to this? I live in the state Of Illinois.
The loan agreement you entered into with United Cash Loans was and is a valid agreement, which is governed by the laws of the Miami Tribe of Oklahoma, a federally recognized Indian Tribe. As a federally recognized Indian Tribe, the Miami Tribe of Oklahoma is a sovereign, just like the state of Illinois. As such, the loan agreement is a valid agreement under the laws of Miami Tribe of Oklahoma and is governed by the laws of the Miami Tribe of Oklahoma.
Please see the attached settlement offer
Balance Due: $715.00
This letter is being sent to you as an offer to settle the above referenced account. United Cash Loans is currently offering $220.00 as a settlement in full on the above noted account.
If you want to take advantage of this limited opportunity, please call one of our representatives today at our toll free number 1-800-394-3757 Ext 282 Monday–Friday 7:00AM-3:00PM CST, or email us at firstname.lastname@example.org. Payment must be received by United Cash Loans no later than the close of business on October 18th 2013. Payment must be made via Money Order and or the use of a debit/prepaid card by the above date, or the offer will be considered null and void. This is a limited opportunity and contingent upon the clearance of your good funds.
Upon clearance of the above noted funds, an email will be issued as verification that the above stated amount was received, has been cleared and is accepted as settlement of the above account. There will remain no further outstanding obligations pertaining to the account.
We take pride in assisting our customers to resolve their situations. Please call one of our representatives today to take advantage of this limited opportunity, please call our toll free number at 1-800-394-3757 Ext 282 Monday–Friday 7:00AM-3:00PM CST, or email us at email@example.com.