There's no legal threat here. It's all fake.
I guess you'd have to at least suspect the letter was fake to try that, so you might miss it if that's not even on your radar.
I would never live in a country (guess US) where you need a kidney to defend yourself even if you did nothing wrong.
If they are serious, they will follow it up - and you will eventually have to show up in court.
This is not just self interest. There really are a lot of hidden traps. Words almost never mean what you think they mean. If they have a lawyer and you don't, you are taking a serious risk.
i.e. even where it isn't opaque, it is surprising how many people mess up.
(Of course that includes lawyers)