I recently went to an Urban Outfitters in New York and attempted to take an untagged t-shirt away in my backpack. I also purchased other items at the store but I did not purchase that t-shirt, I kept it in my backpack. Before I exited, I was approached by two security guards who asked me to come downstairs. They took down my information from my license. I am a college student over the age of 18. I signed a document saying I cannot return to Urban Outfitters for 3years or it is trespassing, and the guard said that that was all and I would get a letter reiterating the trespassing warning. I just got a letter from Palmer, Reifler, & Associates claiming Urban is 'considering' pursuing a civil penalty claim against me, citing NY CLS General Obligations Law 11-105. What should I do? Pay?