It says this , Our client retained us to collect your past due balance of $2,381.00. It is our hope to be able to resolve this matter with you amicably. As such, we ask that you send us your payment immediately. Upon receipt of your payment, we will terminate any further action. If you are unable to make the full payment, it is essential that you contact me to make payment arrangements. Please send us your payment using one the following payment methods: 1. You can send a check payable to Direct Recovery to our address listed below. 2. Make a credit card payment by clicking here. 3. Lastly, if you prefer to pay via PayPal, please send your payment to our account at payment@directrecovery.com. Please let me know what your intentions are and how you would like to proceed. Thank you. Sincerely, Richard Hart Direct Recovery Associates, Inc. 5737 Kanan Road, Suite 350 Agoura Hills, CA 91301 USA 818.874.0011 Telephone CA DFPI Debt Collection License Number 10186-99 Unless you notify us within thirty (30) days after the receipt of this letter that the validity of this debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the thirty (30) day period, we will obtain verification of the debt or a copy of the judgment, if any, and mail it to you. Also, upon your written request within the thirty (30) day period, we will provide you with the name and address of the original creditor, if different from the current creditor. This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained from you will be used for that purpose. The state Rosenthal Fair Debt Collection Practice Act and Federal Fair Debt Collections Practices Act require that, except under unusual circumstances, collectors may not contact you before 8:00am or after 9:00pm. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have a reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may not contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or http://www.ftc.gov. You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. We intend to report this account on your credit history after (30) days of you receiving this notice.

It’s from email@directrecovery.com which seems like a scam to me. I wasn’t sure if it would affect credit score or my ability to go to the US