I think some of the people who have commented have no idea how the legal system works...you can't just send a legal-sounding letter to someone and get money for it. That's just ridiculous.
it is ridiculous but people fall for it. look how stressed Toni is and s/he has insurance and thinks it's a dodgy claim. imagine what an irrational decision s/he could make if s/he had no insurance and there was the slightest chance of succeeding.