well  ACS got $400.00 out of me!!!!!

I got a call from a Tony Walker 888.836.3414 they also  called a family member and left personal info with her which is a violation of the Federal trade commission. I called back and spoke with some rude, rude lady and she asked me to confirm the last four numbers of my social. I told her I was not going to she then said, well I can give you the first three. She got frustrated because I still did not feel comfortable she stated the last four numbers of my social....They threatened to serve me papers they said they would come to my home with the authorities said I defrauded a financial institution on my family members voice mail...

Woman called my business asking for someone we don't know...then started demanding to speak to that person, after I told her there was no one by that name and to stop calling she yelled and told me to shut up Bi*** then hung up!

lady just called here from ACS/number 877-349-5001, telling me she is a state process server looking for this person that i know.  she sounded like she is an african american lady. i told her this person does not live here and hung up the phone.  do not know how she got my phone number, just got this new number.

Got call from these guys looking for a Cathy Pappas to serve, she had me listed as a reference.  Obviously bill collectors but I think this should be illegal.  They are really annoying.

just called...young black woman answered from ACS...sounds like a legit business..she asked for my last four of my SSI which I gave...she verified that this was my phone number, then apologized saying they have the wrong number and took my phone number out of their database. ???

I really think they are looking for my son with the same name, but they didn't ask and I didn't tell 'em jack s***. Oh well, no more calls.

I just received a call from a Terrance Clark (african american) who said he was from the state's processor's office regarding a summons that was faxed into their office regarding trying to fraud a financial institution. They said they have been unsuccessful in trying to reach me by phone (first time I've heard this msg) and for me to call 1 877 769 1257 reg: case # 820765. I have no clue who this is or what's this about. Getting ready to call now and cuss them out as I don't write checks! I pay everything online for bills.

how did they even get your account information if it's a bill you said you never owed?

A woman of African descent with a heavy voice called @ 7:26 am PT, I read her the riot act regarding FTC regs, she said she did not care if I was a dentist and began to argue, I asked for her supervisor, she claimed she was the supervisor.  She refused to address the issue of calling before 8:00 in addition to the person she is looking for is unknown.  I called her back, sounds like she is at home in her PJ's, to tell her to cease and desist and I am following up with the FTC and now she will owe me a debt.  I will report this rude, outragous collection agency  ACS.   Oh, after citing the law she claimed that she did not have an account for the name she initially called for.

I just recieved a call on my cellphone from a Leslie McCoy. She left a message and said she was with a state process serve with florida and that I had a case pending on me for fraudulant checks with intent to defraud a financial institution. She also said if I didn't call back (1-877-251-0293) in 2 hours, she and the authorities would show up at my job and my home to serve me.  First of all, I know process servers don't call first to serve you. Second I was laid off from my job...sooo. Thanks for this site..it really helped.

Just received a call on voice mail, I wasn't home to take the call.  Not sure I would have anyway having not known the number.  Caller id says 877-395-5001 but he (Tony Walker??) said to call 877-251-0293, along with a case #.  He was looking for another person who he said put our number down as a contact number.  I have no idea who this other person is.  Also stated that if he does not hear back from this person he will have a summons issued to her at her home or work.  I imagine this person just put down a random number and I was the unlucky person who has that number.

Someone from ACS just called stating that a close friend was writing bad checks and that he was Wendell Wright working on behave of the state as a process server. Went on to tell me that where my friend supposedly wrote the checks and that there was an open summons if they didn't call.  I know for a fact that they never had a checking account.

Wendell gave a company a ref # stating that it was a court case number.  Don't fall their lies everything they are saying is just to get information and mostly false.

Number on ID 877-349-5001  
Number gave to call back was 877-912-2156

Received a voice message stating ACS group Robert Torres with a reference #.  Stated would serve me at my job site.  I returned call with no answer.  Also at the end of voice mail said Good Luck on your court case???  Have no clue what this is about!!  Not happy!!

ACS called said i owed a PDL debt. I gave them $100 from credit card & agreed to pay balance 2 weeks from now. Found out that PDL was paid in full! I called PDL and they confirmed that it was paid off. Forwarded E-mail with confirmation #. ACS finally agreed to mistake and gave me their confirmation # that credit card would be reimbursed. Called credit card to let them know i was disputing $ amount.Credit card company has not received anything from them.I have not received any e-mail from ACS stating that this is resolved. ACS summons server Chris Smith called before all this happened to serve me papers or i could call ACS and resolve this. So i called ACS. Now ACS has my credit card #.dont know if they will try to take $ from credit card or not.How do i stop them? How do i get their address to sue them? I am not afraid of going to court. I know how the small claims court system works.I have e-mail sent from them but no address on it.

This number is constantly calling and is annoying. They call asking for the wrong person and when i tell them wrong number they keep calling every 30 seconds. I call the number to have my number removed and they tell me that i need the name and the case number. I was soooo mad and told them i don't know who they are looking for  and i don't have a case number. They won't help at all if you call. They are a Law office collecting debt. I hope they stop calling my phone and get their phone numbers and peoples names straight before attempting to call and annoy people.

getting calls from this number and being told they will send someone to my Job or my home.

This Company has been debiting my account for something they said I owed.  They threatened to come to my job and were very VERY rude on the phone.  Now that I have them debiting my account, I can't get them to answer the phone and it just rings and rings.  I think that I have been scammed!

It was to a household cell phone

This company ACS group llc has debited my account unauthorized, harassed all friends and family, my husbands boss etc...making threats they are acting as if law enforcement trying to serve leagal summons etc... very demanding....

HOT CHECKS IS THE LATEST DEBT COLLECTION ILLEGAL SCARE TACTIC.  usually used in regards to payday loans - when in most cases are already paid or never applied for or received.  



Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx


Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!
    
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

This company called all of my family members looking for me regarding hot checks. I have no clue of what they are talking about. The person calling is named Terry Moter. Don't know the name of the company.