I don't know, are you? Compare what ACM does to what the law demands and make up your own mind.

FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

Will the fake Tara please sit down? We've been through this already with the Janis-Jason-Joe shill. It's not the alleged debtor's problem to do "a little research".

http://800notes.com/Phone.aspx/1-877-514-9697#p581405220242760132

A party to a US lawsuit cannot "actually serve papers". Not after your vague "certain amount of time" and not ever. Making such a stupid assertion puts in serious doubt "the rights to collect" you want us all to lazily assume to be true.

} this "mediation" office or debt collector, whatever

"Whatever" it is matters. It can't be both at once. A debt collector which insists on being misleading about the nature and purpose of its business is breaking state and federal law.

} they didnt [sic] tell me it would happen [sic] just that it could.

Uh-huh. The term "could" does not make the bogus threat less illegal than "would".

} considering someone called my job im [sic] just going to pay

What a soft touch you are. Please discuss where you work so I can harass you for another fake debt the next time I'm short of rent money.

So when did you plan to tell that to your debt collector? The FDCPA goes out of its way to permit anyone at a PoE to deny collectors permission to call there. Managers should be aware that workplaces are targeted frequently by fraudulent agencies, attempting to disgrace and embarrass their victims, which is an illegal tactic.

FDCPA § 1692c. Communication in connection with debt collection
http://www.law.cornell.edu/uscode/text/15/1692c

You don't get to backpedal from your patently ignorant remarks, Janis-Jason-Joe. When some thug on the phone is talking "arrest" or "sheriff" or "jail", it's extortion dressed as debt collection, and a 99% chance of *NO ACTUAL DEBT* at issue.

FTC alert: "Fake Debt Collectors"
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

You're obviously in the wrong thread, Janis-Jason-Joe. Defaulted payday loans are not "hot checks" and not subject to criminal prosecution. Alleged debtors need to get "everything verified" the correct way, through validation demands.

No, Janis-Jason-Joe, that's not how an alleged debtor challenges a debt. It's not the consumer's job to scurry around seeking proof of claim. When in receipt of a timely validation demand, the *collection agency* must "just contact the original creditor". When your friends badger, bluff, and bully people to pay unverified debt, they lose "the legal rights to collect" and beg for a *real* lawsuit unlike your fake "served at work" and "arbitration" threats.

FDCPA § 1692g. Validation of debts
http://www.law.cornell.edu/uscode/text/15/1692g

I started getting these calls back in Jan of this year with the same arrest threat and just got another call this morning with the same threat. How long does it take to.arrest someone? I found out that this is a third party scam that involves Ace Check Cashing place trying to collect on a payday loan from a few years ago that was paid off. Be careful and avoid these payday loans at all cost.

So is this company legit

so i put a complaint on here a while ago and I did a little research. Turns out after calling the creditor for my debt about this... they referred me right back to this "mediation" office or debt collector, whatever. It looks like they actually do have the rights to collect the debt and the person calling me and my job can actually serve papers over it but ONLY IF they cant collect the debt with in a certain amount of time. they didnt tell me it would happen just that it could. considering someone called my job im just going to pay 100 a month til im done, i jsut couldnt pay the damn thing in full

You cant get arrested for collections debt

edit to: "at least give us a claim that's harder to debunk"
Must have had a Yoda Moment.

} I would imagine they also have process servers, which is legal.

Your boss at the fraudulent "hot check" collection agency has you imagining lots of things are "acceptable". Court rules typically disallow a lawsuit party to serve its own legal papers. The FDCPA and parallel state laws limit collection contact and consumers have a right to impose further restrictions. So long as you "take any measure" to collect, you and your whole crew risk being named as defendants for your crass violations. If you're going to shill here, at least give us a that's claim harder to debunk ....

Official-type material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

Did you leave you for being a shill?  It is obviously from your post you are totally clueless so please, spare us you inarticulate lecture on the nature of debt collection companies. But there is one point you had tried to make that I need to address (see below)

>>>>It is acceptable for collection companies to take any measure to collect debts.

No it is not.  There is a law governing their behavior, it is called the Fair Debt Collection Practices Act.  It is the law of the land.  They have to abide by it.

Nice try.  Thanks for playing shill

No it is not acceptable and also violates the laws!

Got a call from this company looking for my ex-husband.  Checked the company name online and found out its a collection agency.  I would imagine they also have process servers, which is legal.  Collection companies in general seem to not be required to limit their contact to any extent.  Evidently, this is ok.  Regardless, I have no complaint about this company.  They took my phone number off their list of contacts so I wouldn't be bothered anymore.  It is acceptable for collection companies to take any measure to collect debts.

somebody harassing me at work bunch of bull im not worried

Who ever angala brone is needs to stop calling my work. my boss thinks i write hot checks and i dont even have a checking account. also told the human resource department that if i paid my bills she would not have to serve me papers. I checked the county court systems bi***! your a scam!

well i didnt know about her situation the message i got had nothing to do with warrants so i was letting her know about my situation so she would know. You are absolutely correct yef, that doesnt sound legal to me either

Shill alert!  It is against the law to leave such details in a voicemail.  Threatening arrest is also illegal.  She mentions the message is from months ago.  If it had been legit, she would have been arrested by now.

Hey Crissa... may be a debt you owe. Just call and ask what account its for.. whats the worst that can happen?  I had an ace cash loan i forgot about  and i called them to set up a payment plan. i called corporate ace to make sure it wasnt a scam, and it wasnt. you should be good

Ok, so i went to visit my dad after not talking for over a year. he told me there was a voice-mail that he recorded for me from months ago. it said that i had written bad checks and that there was a warrant out for my arrest. and that i had to contact them right away and that i can no longer take care of this matter on my own. the number they left claiming to be an arbitrary service was 877-514-9697 along with a case or reference number. when i called the number after hours, it said i had reached acquired capital management. does anyone know if this is real? im terrified at this point they have called my dad and my grandmother. the only bounced check i know of was from 4 years ago, i got a letter in the mail and had it taken care of. what should i do?

Received a call at 2:00 pm in Los Angeles, Ca. Louis Mills says she received a fax with a formal complaint about me and I needed to call for an arbitration at 877-514-9697 to resolve this issue? Hey send it to my address since you did get my full name correctly it's all B.S. (wellsfargo)I Had them 12 years ago!

Im in the bad check classes through the state-- wells fargo was trying to have me prosecuted --- and now I'm in contact with them to clear up my bad checks. everything verified

this company has the legal rights to collect - if you feel its a scam just contact the original creditors customer service line to verify your paying the right people.. otherwise they do have the rights to take you to court

Rose Taylor called and said she has a formal complaint filed against an individual and he needs  to contact the arbitration office at 877-514-9697. She finished the message with "(insert third party name here), you have officially been notified!" Who would call her back with out knowing what someone complained about? I wouldn't call to pick-up a complaint...there's enough people griping about stupid stuff, daily, to pick up complaint messages!

A woman name Angela Baroon left a message in a extremely nasty tone saying she's trying to reach me to serve me some papers. She has left messages on my family and friends voicemail, stating I have written bad checks, or that I have 2 pending criminal charges. The number she left for me to call is 877-514-9697 this is a debt collection agency claiming to be an  arbitration firm. They are calling for Ace Cash. They outsource the collection calls. I'm going to contact an attorney about these harrassing phones calls trying to intimidate me.

Rose Taylor keeps calling me looking for someone else and leaving all the information for the person on the phone everytime she says..THIS IS YOUR LAST CHANCE T CALL. But then she calls again. Dumb a** debt collector for an old debt I would imagine.

dropped off some paperwork for dallas county municipal courts to my works human resource dept for me!

Its a scam. These people are constantly calling and saying something about serving papers at my work or home....Go ahead....They wont like what I say to them

It was a contractor referring me to a pre legal office for help with an ongoing investigation