<prompt> Human: Back in 2010 six years ago I was an idiot. I got myself into a lot of debt, did a lot of stupid things, and ended up taking out a few payday loans to make ends meet. I realize how insanely foolish that was for a lot of reasons. Im in a great financial position now, life is good and Im on a great path.In 2010, I got a total of three payday loans for 200, and 250 was automatically taken out of my account the next paycheck. I requested a fourth through a web form, but decided against it and never signed and returned the documentation that was sent to me. For some reason, they still deposited 200 in my bank account for the loan I never signed for, and never took out the corresponding 250. Being young, stupid, and out of options, I never pursued it.However, I got a very odd phone call yesterday. The person left the following message:This is a courtesy call from XXX, I am a licensed process server that has been retained by Asset Revival Services. The records here indicate that you have not repaid the payday loan you have received from the respective client. This is a final attempt to help you avoid you having to appear before your county clerks office. They are offering you at this point the opportunity to settle this matter for a percentage of what is legally owed. This is a one time opportunity to settle this matter, so if it is something you would like to settle on a voluntary basis please call Asset Revival Services at XXX.And got another followup call today:This is XXX, I am required to contact you regarding a lawsuit that is being reviewed to be filed in petition to XXX, Pennsylvania. It is in reference to a delinquency of yours thats been deemed exhausted and uncollectible. State and Federal law require I attempt to forward you the pertinent details of the lawsuit, please contact me at XXX. If I do not hear from you in two days, you will forfeit your right to voluntary resolution, paperwork will be filed with the XXX county for immediate legal disbursement, and you will be served with a summons to appear in court. If you would like the opportunity to resolve this situation and avoid litigation altogether, please contact me at XXX. My name, you have been legally served.I know there are people here who are very knowledgeable in debt collections, etc...how much trouble am I in here? I also dont want to call and acknowledge the debt, because Ive heard that can cause issues as well. Can they sue me for a debt that has been deemed exhausted? Whats the time limit on this?Thanks very much for your help, Im a bit worried and dont want my past mistakes to cause me a great deal of harm on the present.  <response>: SCAM AND ILLEGAL... on so many levels 