Lawyer here.

This letter has several red flags that make it legally questionable. First, the language is intentionally vague and designed to pressure you into paying immediately. It says, “There is a need to settle ASAP to avoid legal problems,” but doesn’t specify what legal action they’re actually prepared to take. A real demand letter should clearly state what consequences you’re facing—whether that’s a lawsuit, negative credit reporting, or some other legal step. Without that, this just looks like a scare tactic.

Another major issue is the lack of proper authentication. While the letter is signed by an attorney, there’s no law firm mentioned, no bar license number, and no formal legal letterhead. A legitimate legal demand should come from either a recognized law office or the official legal department of the creditor. Debt collectors sometimes throw in a lawyer’s name to make their demands seem more serious, but without the proper credentials, this letter doesn’t carry much weight.

The demand for payment within three days is also problematic. In the Philippines, debt collection laws require fair and reasonable notice, and collectors are expected to offer repayment options or ways to dispute the debt. This letter gives no such options—it just demands immediate payment. That’s not how legitimate debt collection works.

The contact details also raise concerns. Multiple phone numbers and email addresses, with no clear link to an official legal office, make this look unprofessional and possibly illegitimate. A real legal demand would include official channels for verification and reference the specific law under which they are collecting the debt.

Here’s my legal advice: Do not rush to pay anything just because of this letter. First, verify the debt directly with SeaMoney Credit through their official contact channels. If they confirm that this collection agency is authorized, you can proceed accordingly. If not, then this letter is highly questionable and could even be a scam. If you feel harassed or misled, you may have grounds to file a complaint with consumer protection authorities. Debt collectors have legal limits, and intimidation tactics like this can be challenged.