So I got another email today again with the same threat. At this time I do not plan to respond and will look into filing a complaint with the attorney general's office. It is absurd that they threat to add 30% on top of the full amount. As Kahhss mentioned earlier, I doubt the legality of that threat. I am even considering just letting them send me to collection and just keep ignoring them (Probably not a smart thing to do. ha).