Very true. This is one of those situations where having a friend who is a lawyer, and willing to write such a letter, is very helpful. It would not be legal to

Very true. This is one of those situations where having a friend who is a lawyer, and willing to write such a letter, is very helpful. It would not be legal to mis-represent yourself as a lawyer. But it's fine to have a lawyer write such a letter, which make the recipient think that you might sue, while having no intention of doing so. This is, of course, completely unfair because the poor, who are more likely to be disabled, are also less likely to have a friend who is a lawyer.