Received an email from a Gary Richard with Smith Loan Assistance claiming I had an upaid debt of 986.45 with Advance America Pay day loans and they had given me plenty of opportunities to remitt the overdue loan. | I do not have any unpaid debts with Advance America. I called Advance American and the representative told me they do not have any affiliation with Smith Loan Assistance and are not trying to collect any upaid debts through a second party dba Smith Loan Assistance. | I replied to Gary’s email and informed him that he is a scammer and to cease and desist threatening emails to me and that I am reporting him to authorities and the Attorney Generals Office for my state. | I have not received a response back from him as of yet.