Some one called stating he was from the "Sherriff's Department" that he need to take some legal documents to get signed. I did the search online & eventually this number came out. The other number which he called me from didnt have a search (714) 415-5312

If what you say is true, you should have no problem providing the consumer with the following information in writing.


# What the money you say I owe is for;
# Explain and show me how you calculated what you say I owe;
# Provide me with copies of any papers that show I agreed to pay what you say I owe;
# Provide a verification or copy of any judgment if applicable;
# Identify the original creditor;
# Prove the Statute of Limitations has not expired on this account
# Show me that you are licensed to collect in my state
# Provide me with your license numbers and Registered Agent

HOW WELL YOU KNOW YOURSELF... NO COLLECTION COMPANY OR FOR THAT MATTER THE ANT WORKER THAT YOU ARE  WANTS TO HELP ANY CONSUMER... YOU ARE ALL OUT THERE FOR THE MONEY AND YOU DON'T CARE WHO REALLY YOU STEAL THE MONEY FROM, YOU CALL AND HARRASS!! YOU HAVE NO BRAINS TO MAKE A LIVING THAT IS WHY YOU BECOME A COLLECTOR OUT OF DESPERATION... YOUR TITLE SHOULD BE MONEY HUNGRY RATS... THE WORSE OF THE WORSE.... WHY I KNOW  BECAUSE I HAD THE EXPERIENCE OF SOMEONE LIKE YOU TRIED TO MAKE ME PAY FOR SOMETHING THAT WAS NOT EVEN MINE  AND  I  WON!!!  GO FIND YOURSELF  A DECENT JOB YOU THIEF!

Great, of course he is a cheap, thief, money hungry collector.. What else?? his words are a reflection of who he is.. Money hungry trash..

Jonathan,

First you were probalbly Subserved and yes they can get judgement on you the law states they have to try and serve you at your last known address at least 3 times than they can subserve you
Next you need to get a copy of you Credit Bureau and see who has the judgement on you
you can contact them
Remember you are allowed 1 credit report per year from each credit bureau

I wish you the best of luck

SO SO WRONG  ...
FIRST AND FOREMOST IT IS AGAINST THE LAW TO TAKE MORE THAN WAS AGREED UPON AND BEFORE THE DUE DATE
IF YOUR GOING TO QUOTE LAWS MAKE SURE YOU KNOW THEM
IF THEY ARE A COLLECTION AGENCY THEY USUALLY HAVE IN HOUSE ATTORNEYS
COLLECTIONS IS WHERE THE MONEY IS TODAY
ONCE THEY OBTAIN THE JUDGEMENT THEY CAN AND WILL GARNISH YOUR WAGES
DEPENDING ON THE STATE IN WHICH YOU LIVE THEY WILL ENFORCE THEIR RIGHTS
JUST PAY YOUR BILLS AND YOU WOULDNT BE SPENDING SO MUCH TIME TRYING TO FIND A WAY OUT OF PAYING WHAT YOU YOURSELF DID
HEY IF YA CANT HANG WHY GET CARDS?

THE WORD FOR ANYONE WHO DOES NOT WANT TO PAY THEIR BILLS IS THIEF
IF SOMEONE OWES YOU YOU WOULD EXPECT THEM TO PAY YOU BACK SO WHAT IS THE DIFFERENCE?

STOP TRYING TO FIND WAYS NOT TO PAY WHAT YOU OWE YOU DID IT THEY DIDNT
JUST STAND UP CALL THEM AND RE

MOST OF THE TIME YOU DO OWE THE DEBT  ...
MOST OF THE TIME YOU WANT TO FIND AWAY TO GET OUT OF PAYING YOUR DEBT
MOST OF THE TIME PEOPLE LIKE YOU NEVER HAVE ANYTHING TO SPEAK OF DUE TO
THE FACT YOU HAVE NO INTEGRITY  ...

MOST OF THE TIME, MOST HONEST AND RESPONSIBLE PEOPLE DO NOT INTEND ON DEFAULTING ON THEIR DEBTS SOMETHING HAPPENS AND THERE ARE ANSWERS BESIDES BEING DISHONEST

IT IS NOT AGAINST THE LAW TO GARNISH WAGES IF THE COLLECTION AGENCY HAS ATTORNEYS THEY CAN SUE
SO FOR KNOWING SO MUCH YOU KNOW VERY LITTLE

HOW MUCH DO YOU OWE OUT THERE?

SOONER OR LATER WE ALL PAY
I HAD A DEBT ACM WORKED WITH ME HELPING ME TO REESTABLISH MY CREDIT TO SOME SORT OF DECENT DEGREE

SO FOR ALL OF YOU OUT THERE WHO FIND IT SO EASY TO BLOG ABOUT
ACM
BEST WISHES  YOU KNOW YOU OWE THE MONEY

Most times, the person being called by a collector doesn't even owe the debt. NEVER pay anyone siply because they call you and tell you that you must pay now. You have all rights under federal law to have the creditor or collector validate the debt in question. Be sure that they put everything in writing and mail it to you. NEVER wire money without legal proof from the collector. Also, never admit to owing on a debt, even if you know that you in fact owe on the debt. The burden of proof is on the collector. MAKE THEM prove it. I have all laws and information on my site: http://anthonylemons.blogspot.com

P.S. To that retard who says to "pay your damn loans". You are a loser who most likely works as a deadbeat, bottomfeeding collector.

STOP CREDITOR HARRASSMENT http://anthonylemons.blogspot.com

   

Under Provisions of Federal Law, The Fair Debt Collection Practices Act

It is Illegal for Debt Collectors to:

Imply that failure to pay the debt could result in arrest, imprisonment, or garnishment of wages;

Call consumers at work when they knew the consumers' employers prohibited such calls;

Talk with third parties, including neighbors, children, and employers, for purposes other than acquiring location information about consumers, without consumers' consent;

Cause the telephone to ring, or engage a person in telephone conversations, repeatedly or continuously, with the intent to annoy, abuse, or harass a consumer;

Threaten to take action -- such as filing a lawsuit -- when they did not intend to do so;

Call consumers at times or places that they knew or should have known were inconvenient;

Fail to notify consumers of their right to dispute and obtain verification of their debts, and to obtain the name of the original creditor  

Continue to try to collect debts after consumers disputed them in writing, and before verifying the debts.

Use obscene or profane language


--------------------------------------------------------------------------------

ATTENTION CONSUMERS!



If you are CONTACTED by a Debt Collector:

NEVER give them your banking or credit card information. They will take much more than you authorize.

NEVER do 'checks by phone' as debt collectors could empty your bank account, you have no recourse.

NEVER send them money via Western Union.

REMEMBER:  Debt Collectors have NO power and NO authority and should NEVER be trusted.  They will lie and cheat you to get at your money. If it?s NOT in writing, it?s NOT a deal.

BEWARE: Paying a debt collector will NOT get an account removed from your credit.  They do NOT have that ability.



When a person gets behind in his or her bills, creditors take various actions to collect.  Creditors may call home, or work, family, friends, fellow employees or even your employer.  Cosignors and guarantors may be called upon to make payments.  Mortgage holders and other creditors may initiate a foreclosure on your home or a repossession of cars, furniture, appliances, or other items. Lawsuits and other collection procedures may be started.  Garnishment of wages or seizures of bank accounts may begin.  The filing of any type of bankruptcy immediately stops all collection efforts against you and your property.  


When you file for bankruptcy creditors must leave you alone, stopping all phone calls, lawsuits, collection notices and garnishments.  Foreclosures must stop and repossession actions must cease.  If you file a Chapter 13 reorganization instead of a fresh start Chapter 7 bankruptcy, collection actions can also be stopped against co-signors and guarantors on consumer debts.  Only a few actions are not stopped by a bankruptcy.  Criminal proceedings cannot be stopped and actions to establish child support or alimony cannot be stopped.  A Chapter 13 Plan, however, may provide a way to catch up on past due child support or alimony.

STOP CREDITOR HARRASSMENT

   

Under Provisions of Federal Law, The Fair Debt Collection Practices Act

It is Illegal for Debt Collectors to:

Imply that failure to pay the debt could result in arrest, imprisonment, or garnishment of wages;

Call consumers at work when they knew the consumers' employers prohibited such calls;

Talk with third parties, including neighbors, children, and employers, for purposes other than acquiring location information about consumers, without consumers' consent;

Cause the telephone to ring, or engage a person in telephone conversations, repeatedly or continuously, with the intent to annoy, abuse, or harass a consumer;

Threaten to take action -- such as filing a lawsuit -- when they did not intend to do so;

Call consumers at times or places that they knew or should have known were inconvenient;

Fail to notify consumers of their right to dispute and obtain verification of their debts, and to obtain the name of the original creditor  

Continue to try to collect debts after consumers disputed them in writing, and before verifying the debts.

Use obscene or profane language


--------------------------------------------------------------------------------

ATTENTION CONSUMERS!



If you are CONTACTED by a Debt Collector:

NEVER give them your banking or credit card information. They will take much more than you authorize.

NEVER do 'checks by phone' as debt collectors could empty your bank account, you have no recourse.

NEVER send them money via Western Union.

REMEMBER:  Debt Collectors have NO power and NO authority and should NEVER be trusted.  They will lie and cheat you to get at your money. If it?s NOT in writing, it?s NOT a deal.

BEWARE: Paying a debt collector will NOT get an account removed from your credit.  They do NOT have that ability.



When a person gets behind in his or her bills, creditors take various actions to collect.  Creditors may call home, or work, family, friends, fellow employees or even your employer.  Cosignors and guarantors may be called upon to make payments.  Mortgage holders and other creditors may initiate a foreclosure on your home or a repossession of cars, furniture, appliances, or other items. Lawsuits and other collection procedures may be started.  Garnishment of wages or seizures of bank accounts may begin.  The filing of any type of bankruptcy immediately stops all collection efforts against you and your property.  


When you file for bankruptcy creditors must leave you alone, stopping all phone calls, lawsuits, collection notices and garnishments.  Foreclosures must stop and repossession actions must cease.  If you file a Chapter 13 reorganization instead of a fresh start Chapter 7 bankruptcy, collection actions can also be stopped against co-signors and guarantors on consumer debts.  Only a few actions are not stopped by a bankruptcy.  Criminal proceedings cannot be stopped and actions to establish child support or alimony cannot be stopped.  A Chapter 13 Plan, however, may provide a way to catch up on past due child support or alimony. http://anthonylemons.blogspot.com

An individual from ACM group called a residence that I lived at two years ago. The family that lives there now gave them my current home address and employment information. They contact my 16 year old daughter and gave her information about them filing suit against me and garnishing my wages for a debt not paid. The caller never identified himself to my daughter I done a search on the number that came up on the caller ID and it came up blank. Another individual from ACM group called my employment and gave the operator all of the information regarding being sued for an unpaid debt and my wages being garnished if I did not return there call within 2 hours. I returned the call to find out the nature of it because I had no knowledge of what they were referring to. I spoke to a Mr. Ben Davis, he said he was in the finalization dept. of ACM and that if I didn't take care of the debt in full he would have me served, wages garnished and a judgment placed against me. He said he had no knowledge of anyone that had called my home nor my employment and if they had called to the both then they must had been in the process of garnishing my wages. When I told him that the item that they were trying to collect on was paid up to the date the item was returned he immediately said he saw where it had been returned and that there was a cancellation fee that had drawn interest and it had to be paid in full or else. The whole thing had me in a scare and I didn't want my wages garnished or a judgment placed against me so I gave him the information that he requested. He said the only method of payment was by direct debit out of my bank account. Once again cooperating I gave him my account information. This entire situation puzzled my because this item that he was speaking of was returned almost 10 years ago and the final bill that I received from them was for 75% less that what he was intending to collect. I had someone do some research on the numbers and the company and I was told that it was identity theft and I needed to change all of my account information ASAP. The numbers that was given to me landed me here to this site.

When the bank writes it off or charges it off, there is no benefit to you. It is basically for there tax quarterly's. Until they write it off you are still a tax liability to them so it's strictly for their benefit. People, a charge off does not mean your off the hook! You are legally obligated to pay your bills! The good news, most company's are will to settle the debt if it's older and if u do a little negotiating, they may be willing to release u from some or all of the interest and penalties. If you wait till it get's to court, u are in an almost no win situation to negotiate as then they have the court to enforce the collection once judgment is rendered. They way they enforce it includes but, but not limited to, wage-garnishment (25% of your paycheck! in California) liens on your property(s), liens on your bank accounts, capturing a tax return! Also when u obtain credit, the contract usually stipulates that if they sue you, you also have to pay there court costs! So to sum it all up, pay ur bills before the drag you into court and it could literally save u hundreds to thousands of dollars! I work for an attorney that sues for credit card debt so I know what I'm talking about. I give this free advise that an attorney would charge u to give u because unfortunately 10 years ago I was in a similiar predicament due to a medical hardship so I know that when people stop paying their bills, it's not always because they're trying to rip-off the system. To the one's that are trying to rip off the system, live up to ur obligations before ur default get'
s to our office!

Acmg has a lien on my property.  How can they do this on a bank loan that was not even theirs?  I received a summons a year ago.  I did not respond.  Somehow there is a civil judgement on my trw.  I am having a hard time refinancing my home. I do not remember going to court.  How is this possible?  I called my bank and they stated that the account has been chargeoff.  It says charged off on my credit report. I ended up calling all these collection companies that had my account.  I spoke to a man that would not give me any information.  Received a return call from from man that stated can not do anything for me. Does that not mean it has been written off by bank as a loss? Please help ?

pay your damn loans and debts and you wont get calls like that. serves you right for not paying back loans you du****it. if youre dumb enough to not pay back loans youre obviously dumb enough to give out all your info over the phone. they didnt sucker you into anything, its written into loan contracts that they can garnish your wages if you fail to pay back. its called a Recourse Clause and you signed it when you took out a loan. . . god damn people are stupid

I got a phone call from 714-415-5315 on my home answering machine-called back to find out what it was regarding and who was I speaking to and nobody would respond to any of my questions.  I do not have any bad debts and told them so also told them I was on the do not call list and they told me that this wasn't that kinda call but would not answer me when I asked what type of business was this.  Could not get any information.

I had a call on my voicemail from a Matt Gusuki from the legal department of the ACM Group. He said he received a complaint from one of our employees and wanted me to call him back (at 714-415-5301)and give him the company procedures for summons and gave me a case number to use when I call him back. That was a few weeks ago and I haven't called back and neither has he. I verified what exact participants would call on such a matter with the the States Chamber department, they said it didn't sound like a legit call. Since there is nothing on the web about the ACM Group, I believe that they wanted something more that just our procedures.

It's a tough way to learn several lessons --

1) Never, ever deal with a debt collector over the phone. When a debt collector calls, politely but firmly interrupt him and tell him that you don't discuss such matters on the phone. If he begins to argue, interrupt him again and tell him that he is to longer call you on the phone, and hang up.  If the matter is legitimate, he'll contact you in writing. And if he asks for your address, don't give it to him.

2) Never never, ever give personal information to a debt collector.

3) When faced with a debt collector who is harassing you, the first thing to do is research consumer debt rights online or consult a lawyer who specializes in consumer law.

Received call from Mr. Davis.  Very well mannered man (warning).  I received legal letter from his client the acm group. He called and stated I did not respond to their request for my attorney information. Talk for a long time about why they are suing me.  Gave him all my personal information and employement information to be cooperative.  He stated will help me by contacting his client to offer me hardship settlement to close an old bank loan of mine. Months later that b*****d got me for wage garnishment through default judgment.  I had no chance.  Unfair business practice!!!!

I received a call from a guy representing himself as MR Davis of ACM Group I think his friends call him Ben.  He said that he wanted to serve one of my employees a summons.  I did a reverse search on the phone number and it yielded no results.  Mr Davis asked me to call a MR Kozuki at (888-310-5566) - I called,  just to research a little further and when I told Kozuki I was suspicious since I googled his number he cut me off pretty fast. Both numbers showed as restricted numbers on my caller ID.