A payday loan sent me an email saying if you don't respond in 48 hours, you will be served a summons from the sheriff. The email says it's being sent from the federal government.
Yes. Creditors may threaten lawsuit by email. Some threats may amount to extortion and violate law.
Review the communication with BK counsel.
This has all the indications of a scam. The federal government just doesn't work that way.
The above is general legal and business analysis. It is not "legal advice" but analysis, and different lawyers may analyse this matter differently, especially if there are additional facts not reflected in the question. I am not your attorney until retained by a written retainer agreement signed by both of us. I am only licensed in California. See also avvo.com terms and conditions item 9, incorporated as if it was reprinted here.
A demand for a timely response attached to a threat of legal action from a lender is normal. It is within their legal rights to do so. However, it should have nothing to do with the Federal Government if it's from a payday lender and therefore sounds like some sort of scam.
This appears to me to be a scam. Email communication is acceptable but, as one attorney noted, the federal government does not proceed this way.
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