But lawyers don’t cost nearly as much outside the US. We moved from the US to the NL a few years ago. Legal representation is pennies compared to the US. So just because it’s expensive where you are, doesn’t mean it is everywhere else.

It doesn’t mean they are thinking to sue you. Not even close. When you actually get served, that’s when they’re thinking about it, because actually serving you is a few bits of paper and requires a few brain cells. Sending you what amounts to a form letter? No brain cells required.