I GOT A CALL TODAY AND SAME THING THREATING ME WITH THE LAW THERE NEW PHONE NUMBER IS (954) 840-8810 name the used this time is Kelly Adams 10-29-2013

they called me today and usd the name Porcia Pain....

You are obviously some kind of idiot....no one goes to jail for payday loans, where do you clowns come up with this rubbish?!

THESE PEOPLE ARE COMPLETE MORONS! Their knowledge of legal terminology is at best juvenile and at worst, infantile. They throw around big words to try and scare you but don't even know how to properly use those words. YOU HAVE NOTHING TO FEAR FROM THESE ANAL OPENINGS! THERE IS NOTHING THEY CAN DO TO YOU LEGALLY OR OTHERWISE! THEY'RE IN ANOTHER STATE FOR CRAP'S SAKE!

I usually just laugh hysterically into the phone while they're explaining what "fraud" I've allegedly  committed, that usually gets them pretty heated and they just hang up.

Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.

Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.>

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm

ACP called me today from thier new # 9043744354 . I spoke with ms stevens .. she told me I had to have the money for the debt or they would be filing warrant for my arrest . She could not make an arraingement with me because she said the staute of limitations was running out , so i better call my family or friends and get some money. I was so scared an humilated when i got off the phone i did  not know what to do.. i was so glad to see this blog.. I  was able to relax a litte without reaching in my pocket book .. thank you to all of you for documenting this travesty ...They are still Trying to scam people .. I am filing a complaint with the Better Business Bureau.. If there is anything elses i need to do just let me know i will.

This ACP scam is now calling in Kentucky from 855-286-1918 saying they have a National Courier going to call on you and need 2 forms of identification.   They try everything to get social security numbers.  They called me to say my son was getting sued and my address was the one given to them.  They have called 3 or 4 times trying to get his social security number from me after they failed to get it from him.  They give you a Court No. and everything and when you call them back they say Legal Dept. trying to scare you.

I received a phone call just like these from a # 904-738-7534 and they informed me that I too committed a crime and had two felony charges against me. I looked into it and found that this was a scare  tactic and all lies!!!! Here are some ways to protect yourself if you are not sure if it is real or not. 1.) Ask if they are bonded with your state to collect a debt if so what is the registration #. 2.) Find out what is the statue of limitations for your city debt. 3.) Contact your Attorney General's office and file a complaint and make sure you are not in their office. 4.) Contact your DA Check Fraud Division and make sure you do not have any bad checks. 5.) Contact the FTC and file a complaint against them. Try to get them to tell you their name, street address, and zipcode. Use that to look them up on the BBB website. 6.) Contact the Office of Consumer Credit Commissioner and file a complaint and find out your rights. File a complaint with the BBB!  The more you know the more they get scared and then the table's are turned! Don't let them bully you fight back! They have a lawsuit already against them so if they get enough complaints if you filed a complaint you get part of that settlement. So I encourage everyone that this has happen too to file!!!!! We could get paid!!!!  Too make sure we are all filing complaints for the same company they use moneygram only, they want you to send it too ACP, RC code 6273, and  city FL. REALLY!!!

Collection agency - Official enough sounding that I paid an old debt. Threatened felony charges for old payday loans.

You are a joke, I have a weird feeling you either work for them, or are just an idiot. It could only be one of those two things

Concerns me that I thought the same thing then I check the state laws concern what I had did I solicited funds from a payday loan via the internet what I didnt realize that money was transfer from one bank to my bank across state lines by my request and I failed to pay it back and closed my account. Because I couldnt pay it back what it looked like to them was I took there money and never intended to pay it back. So before you say its a scam and not to pay these guys not sure if there the ones that called me and I read the same things that other people wrote and guess what I ended up paying 3x the amount of the check plus court costs and attorney fee's when I could just paid them 300 bucks Im so stupid before you just automactically think someone is a scam check on your state and federal laws about having money wired into your account and then closing your account when you give them the right to ach your account what I didnt know is according to the check 21 laws and some federal laws because money was wired from state to stae across state lines and I agreed to the ACH I got hit with the intent to commit Internet Wired Fraud and a worthless check if you dont believe me type in Internet Wire Fraud laws I paid the price for listening to people who get on her who know like me that they took these peoples money and because I didnt like they way I was talked too or the fact they wanted there money back after a year of me avoiding them and I read all this and thought screwem aint nothing they can do Ill never pay...... wish I had never read this stuff ended up costing me alot more including my state job Ive had for ten years. not saying there arnt scammers out there but if youve taken the money pay it back all im saying just might save you alot of money and heart ache in the future

oh i forgot. "jim fox" got on the line and threatened me as well and called me a thief and threatened to harm me too and used profanity. This really stressed out my elderly grandmother.

On 01/15/2010 I received two voice mail messages from a Ms. Ross with Check Processing Advanced in Jacksonville, Florida, telephone number was 1-904-551-0777 The voice mail stated she was from the Fraud and Bad Check department, but upon returning her phone call she answered "collection Dept".



I returned the call to Ms. Ross and she stated she had a legal matter in her office in regards to an online payday loan with a Summit Group, She stated that the matter had been forwarded to her department for legal processing and that she was calling me as a "Courtesy Call" to let me know that if they didn't receive 661.56 by money gram to their office by 1:30 PM that they would be forwarding an arrest warrant to the New Haven County court and and I would be arrested on Fraud Charges and that I would have to appear before a judge and then only would I be released on a CASH ONLY BOND.



We ended this call and I called Summit Group the original creditor and spoke with a rep. named Joe and he stated that this account had been turned over to a outside collection agency and he had no more information to give. So I proceeded to call Ms. Ross back explaining that I couldn't come up with 661.56 in one day and she stated "It didn't matter to her if I paid it or not she was just providing the curtsey call" and we ended this conversation.



I returned home to set about coming up with a way to borrow this money to resolve the matter, as I am a mother and wife and have never tried to "Defraud" anyone in my life, and wouldn't want to be arrested on Fraud charges either.



I yet again called Ms. Ross back to try and resolve this matter with a payment arrangement which was told "No option for a payment arraignment" I tried getting more information but she did transfer me to a Jim Fox who was "Sr. Legal advisor" he said the only thing he could do for me was push out the time from 1:30 to 2:30 before the arrest warrant would be forwarded out. We ended this phone call again

I answer they hang up.

Is this company really real. can they really file charges...they call me and said the same thing.

The company name is "Advanced Check Processing LLC" in Jacksonville FL. Address is:
1531 Ceseary Blvd Jacksonville FL 32211 with the fax number: 904-619-4792 (Use this info to mail the cease and desist letter info that follows)

They use illegal means to get you to pay for outstanding payday loans. The owners name is Chris L. McDonald. They also use the phone number: 904-253-3224 & 904-619-4784. Please read further for info on how you can stop this harassment instantly.

I paid these people. I am now in litigation with them to get my money back plus damages, because I fell for the scare tactics that they are using on you. Please, please take my warning. Do NOT send money to them. They are not legitimate.

I am suing with a personal hired attorney- the company and two of the employees. I have contacted the Better Business Bureau, the Federal Trade Commission and the Florida Dept of Consumer Services. My suit is going through the process and will take time, but I do not mind.

The people who work there, one I know for a fact- due to his rap sheet sitting in my files, has a huge horrendous arrest record. They are CONFIRMED criminals. Please do not pay them.

Demand that they send you proof of the debt in writing with the original creditor information. Ask the rep who calls (they will act like you are crazy for asking for the name of the company 'It's ___ from the State of FL' -they are not) for their name and title and an address to send a cease and desist letter.

Google cease and desist letters online, find one and type in your information. Mail regular mail and registered return receipt. Keep all of your documents, and write down EVERY instance you get a call from these people and what they said.

They MUST comply or you can contact all of the places I have mentioned including a personal litigation attorney who works on contingency. These collectors must be stopped. If you hire an attorney, they will get you $1000 minimum as that is what the state allows for debt collectors that violate the law, and you do not have to pay for the attorney- the collector at fault does!

Good luck to you... Do your research before you make ANY move with them, believe me I know.

I posted the comment stating "Sounded legit enough that I paid" that was when I was scared from their scam and hadn't done my research- please read my new post listed under Anonymous Debt Fighter.

I have posted a blog to inform everyone of the tactics they have used in my case in detail- and what to do about them...

If you are interested go to : http://anonymousdebtfighter.blogspot.com/

(I am not a lawyer/company/etc. I am a stay at home mom who is tired of being taken advantage of!!)

This was the best reply ever.  I got a call and called back and they didn't like that I asked for Chris McDonald, wanted to know where I got his name from, and why I was asking for him.  That's for giving me a heads up so that i am not a victim.

THIS IS NOT A LEGITMATE BUSINESS.  I ahve a friend who works for a law firm who confirmed that this is not a business numebr and told me to send a letter and copy the attorney general.  i will be sending that letetr by fax and mail thanks to this!

Thanks much!

The same people did that to me... First of all they left a message on my uncle's number (where I do nor reside) and left a message that made my family think that i was in trouble. When I called her back she was very rude and threatened that if i didn't pay 476.00 by 10am tomorrow that i would be charged with 2 felony counts. Supposed "Malicious intent to defraud a money institution" and writing "worthless checks" All because a payday loan i defaulted on like 3 years ago. Someone needs to put a stop to these people.

Thank you for the info. Just got a call at work threatening to arrest me for an old payday loan. Said I had an hour to pay a settlement or else. That they would be picking me up [the law] when I got home.  I called them back asking for their EIN number..they had someone else come to the phone, were really mad, refused to give me the number. They called me back and asked if I was at this number  threatening to have me arrested again. I also called the original  place that I got the loan.They informed me that  they had been getting a lot of complaints about these tactics as well.

YOU SHOULD ASK FOR ONE.....

Also I want to add something. All legitimate business will have a Federal EIN on file with the IRS, otherwise they are doing business in their own name. Ask these idiots for their EIN so that you can prove they are legit. See what they say to you then. If they become very defensive and elusive they are criminals.

My son had this happen to him last night, they said he wrote a bad check in 2008 and for him to send the money on a money gram in Walmart to company code 6273 they are now using a new phone number 647-8580, my wife called the company???? and asked for an address twice and they hung up on her, we were going to pay this off but everything was just too fishy, thanks for all the advice, we called the state Attorney and they instucted us to call the police bussiness section and form a complaint.

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I am a debt collector myself and I have an unfortunate client of mine that recently informed me of an Erin Manning calling her home and threatening her. My dbtr whose name I choose to leave unmentioned, has an unfortunate case of fraudulent activity... she said she has already forewarded close to $1,200 dollars into a moneygram account they had opened i'm guessing it's the personal account held by the owners over at "ACP" which by the way is the biggest scam I have ever looked into before and I have been in collections for years now myself. They just recently disconnected the 904-253-3224 # ....someone must've gotten too close. i tried calling the number myself not even tem minutes ago and it's not in use any longer. I would like to know how to find these b*****ds so that I can make it right to those people out there that actually did pay these fools. Cindy Lynn Abernathy of Jacksonville FL has married recently or else she is still using her maiden name for her on-going scams. But anyways her married name is Cindy Decker... And there is no Erin Manning currently residing in Florida...so THAT was obviously a fake.. and miss cindy resides in Kentucky....here is her cell...Take it up with her personally.

606-344-4855 or you can try this one... 606-524-8628  it may be her land line LOLZ

I have been scammed out of $1150 please tell me what I can do???

I too was contacted by Lara Thomas yesterday. She claimed to be with the Flordias Investigation Distric 10. She had me so scarred that I was going to jail for a felony I did not commit. I was foolish enough to pay this ridiculous amount at first. Once I was back home and calmed down, I started to do a search on the internet about it and came across several sites about these people. I immediatley called my county prosecuter and they ensured me I had nothing out for me and told me to call MoneyGram and cancel it. I did and thankfully got my money back within a couple hours. I also made a police report about this. I am wanting to know what we can do about these people. I have made complaints with BBB and other places but how do we get these people stopped

You can add Laura Thomas to the list of names they use. I contacted the Florida Attorney General's Office and the FTC and filed a complaint. The assured me this is a scam and that no one will be coming to arrest me. They are not federal employees and what they are doing is against the law. The FTC also stated that if I felt threatened I could contact my police department.

This company has to be stopped. They are extremely cruel!!! I too was told someone would be here within 30 minutes to arrest me. I really hope they record the conversations because it could be useful if I decide to file a lawsuit against them. However, I'm sure they don't really record them because it would just prove their illegal tactics.

Oh and when I called back to get the name of the company, etc and to ask questions, they told me I am harrassing them and they will trace my call. Not much tracing needed since they have all my info already. Go figure.

Yes, the phone call alone is a crime. Falsely representing herself as a state employee is a federal crime. There are so many crimes being committed with these phone calls, all should be reported.