<prompt> Human: How does a 20 overdraft turn into 2150 lawsuit? In 2007 I had an overdraft of 20 at US Bank, now today a lawyer called me and informed me because I did not respond to their letter which I never got, that I will be taken to court for 2150. I am a senior working part time and dont have the money. What should I do ? I dont understand how 20 turns into 2150. Is that how banks are making their money now?  <response>: I work for a bank and we will call you for the debt but its not worth the court fees for us to take you to court and sue you. Its a scare tactic probably a touch into the illegal zone of what a collection agent can say 