I too received an email from Matt Williams saying: Your account with ACE Cash has been referred to my office for collection action. You are currently several payments behind on the above referenced account. The total outstanding amount on this account is $619.99.

I have been instructed to bring legal action against you as may be necessary, which may result in Judgment.

The file indicates that you have failed or refused to pay the above claim even though it appears just, owing, and correct.

You are hereby further advised that if payment is not received within 2 business days of the date of this issue, suit in small claims court may be commenced against you forthwith and without further notice for the amount indicated above, together with prejudgment interest. Instead of small claims court, this matter may be referred to our attorney for suit in municipal court.

As I am sure you are aware, if this matter goes to suit, all court costs, process server's fees, sheriff's fees, attorney fees where permitted, and other post judgment costs will be added to the amount that you already owe.

You can avoid the unnecessary inconvenience and added expenses of a lawsuit by making immediate payment to us. For any queries feel free to call us on (201) 588-3006.

Same email as you all: different phone number! I am so sick of these scam artists!!

I also received an email with the same amount as you 540.98 to a company called Ace Cash Express.  I can't even find this address on the street it said it was located on,.  The name was also manager Matt Williams with the same phone number 954-762-7500.  I have never done business with this company and I decided to turn the tables on them and told them provide proof or see ya in court,.  Imagine my surprise I have not heard back from them.  I am Tired of this kind of thing happening to people trying to get by.  Good luck on getting a dime from me sucker!!!

Like most of you, I got the email from " Matt Williams".    I am normally a good natured, even keel type of gal, but I've had it with these scammers contacting me AND my family members.   So, here was my reply.  Excuse my swearing, but I've had it with these b*****ds!

Hey a***oles -  I've reported you to the authorities.   SCAM artists -  you should be ashamed of yourselves for being such scum sucking pigs and prying on innocent people.   Get real f****ng job and lose my info IMMEDIATELY.    Your # is all over the internet....  I've sent you a link for your viewing pleasure:

http://800notes.com/Phone.aspx/1-954-762-7500

p.s.  KARMA IS A BI***

I have received lots of calls, after ignoring them for months, I received an e-mail today. It is identical to the ones posted. I have, unfortunately, used a payday loan. I do not owe them money, and even if I did, this is NOT the way to collect. I am tired of the little people, the ones who don't qualify for government assistance but live paycheck to paycheck, getting the short end of the stick. The government needs to do sonething about these people. All I get is that 'they' are investigating. Um, anybody ever been interviewed by authorites about these scams?

I also got a email  and have got online payday loans  ( big mistake ) this has been a nightmare for me . At first i agree to pay but after thinking about it , i reply please send me paperwork where I recieved this loan and have not heard back from them .

got the same email and phone calls and thanks to this forum I deleted it and went on about my day,whats crazy is a black woman called me yesterday from another company with same scam tactic and even read off my bank account number,sucks our economy is so bad people result to payday loans,because inturn they are selling our info or either the indian scam artist own the payday loan companies and then are going and giving that info to their scam call centers,either way dead any doubt by asking for something in writing sent to your home address.

i just got an email fronm this phone number also saying that i owe $540.98 and I have no idea who Ace Cash Express is so they can email me all they want , but they will not get a dime from me.!!!!!!

I did not receive a call from Matt Williams.  I received an email from him.  I had done a loan application but never got the money from anyone.  It says basically if i do not pay this debt within 2 days, I will be filed against.  Is there any legal recourse to get these stopped?

I rec'd an e-mail not a call from ACS Legal Group demanding money that I owe to Adv Cash Expert, have no idea who this is...... is anyone else having the same problems ?  Their contact # is  954-762-7500 a Matt Williams......

Have NOOOO idea about Adv Cash Expert nor ACS Legal Group......

Your delinquent account with Advance Cash Expert has been referred to my office for collection action. You are currently several payments behind on the above referenced account. The total outstanding amount on this account is $509.45.

I have been instructed to bring legal action against you as may be necessary, which may result in Judgment.

The file indicates that you have failed or refused to pay the above claim even though it appears just, owing, and correct.

You are hereby further advised that if payment is not received within 2 business days of the date of this letter, suit in small claims court may be commenced against you forthwith and without further notice for the amount indicated above, together with prejudgment interest. Instead of small claims court, this matter may be referred to our attorney for suit in municipal court.

As I am sure you are aware, if this matter goes to suit, all court costs, process server's fees, sheriff's fees, attorney fees where permitted, and other post judgment costs will be added to the amount that you already owe.

You can avoid the unnecessary inconvenience and added expenses of a lawsuit by making immediate payment to us. For any queries feel free to call us on (954) 762-7500.




Sincerely,


Matt Williams,
Collections Manager
(954) 762-7500

Received and e-mail today from this company; I have never heard of them; they said that I owe $525.89 to Advance Cash Experts whom I have never heard of.  I have received three to four other e-mails earlier this year in different months that I have been saving from this same company ACS Legal Group all with different dollar amounts in the e-mail, and different account #'s, people sending them, etc.   I have never replied back to them, nor do I intend to.  If you cannot contact me by phone or regular mail, then you are not a legimate company. I never took out any payday loans from this company or the company that they reference.  Not sure how they got my information.  I am ignoring it.  There are all kinds of complaints about this company online if you search the internet.  Do not respond to them.

They are a scam artist don't send them anything. I was desperate one day and googled payday loans and even went as far as to fill our some "pre-approval" applications online but never went through with it thank god as they are a terrible idea. But ever since I have been getting phone calls and emails every day saying I owe them money. I never took their money therefore I do not owe them anything. Just ignore them.

Kirit Patel is a known Indian/Pakistani crook. The US FTC and Government know this... but the legalize crap (Scum Attorneys) allows him to get away with it. Send in the drone and wipe these scum off planet earth.

Before I die, and on behalf of those scammed, I will do everything in my power to eradicate these b**t***ds.

I do not jest. If you want to help, contact me. They don't affect me as I am light years ahead of their nasty game and I always win. Capt. Nemo (AKA Neptune) Navigating The World.

Wednesday July 25, 2012 @ 08:40 AM EDT

To:     acslegal@acslegalgroup.com

C.C.:        Wells Fargo Bank (Jessica Vega, Branch Manager)

Dear Matt Williams,

The below pasted email (attached) from you is quite incorrect. I have never had any dealings with any
such company. I do not owe any money to this company, never have and never will.

Your information is incorrect and slanderous and involves defamation of my good name.

I have never received any payments from this company at any time which my bank will testify to also.

If this company has any personal information about me, etc., it is fraudulent and illegal, and unlawful.

I suggest you contact them. Any erroneous action against me, as you state, will lead to a counter claim
as per this rebuttal and I shall be looking for considerable financial damages to my name.

Sincerely,

NOTE: This email has also been distributed to the appropriate authorities.


Dear Matt Williams, (ref: Advance Cash Expert):

Further to my earlier message re your ludicrous email, you and all your other Pakistani / Indian origin scam artists are in for an almighty shock - be you wherever.

Courtesy of AGPSTT (Advanced Global Positioning Satellite Tracking Technology) we can find you wherever you are within metres of where you are originating from. Whereas there are 'Drones' that can find you quite easilly, and target you to a very precise location and eliminate you without collateral damage to others, we do have an exceedingly precise machine that has excelled in dealing with the likes of people like you. We do not have to answer to any government agency or the government itself of any country.

The attached shows the two alternatives to release you into Hades where you are about to go... and it can happen at any time.

Sounds far-fetched to you? Think of it this way. It is time to clear the scum (scam artists) of the planet earth once and for all.

As mentioned, wherever you are, you are being tracked via your phone and ISP address. You may think that with the new technology available to consumers, like you, can make you feel you can dodge all this. That is simply wrong you curry dummy.
The only thing that is going to be hot and burning... is you and your obnoxious colleagues wherever they are scattered in the USA or elsewhere on planet Earth.

There is an expression that dates way back, probably to before your sorry butt was born: "Your a*** is grass, and I am the lawnmower."

Your navigation days of abusing folks are over. I believe there is a flight to Mumbai or Karachi this evening from Miami. I suggest
you get on it and never return to the USA as you will be on the 'no-fly list' and entrance denied to the USA.

Yours truly,

did not get phone call but got email. says the same as the other comments I see. ACS legal group and Matt Smith. I am sure if I called would have heavy accent.
THESE PEOPLE ARE TOTAL SCAMMERS!
DO NOT SEND THEM MONEY

I received an email today from ACS Legal Group saying that I owe $636.99 from Matt Williams, I have never heard of the payday loan company nor have I requested a loan.  Please be aware and delete the email.

got phone last novemeber 11,2012 and then call  in may20 and again to email never haer of the comapny they are taking about  Advance cash expend about  went to bank no name pop and I know that I check my bank acccount every it seem they call when you do not have money that want you feel guilty a954) 762-7500nd I end up having a nerve break firt send inforamtion  the ydo not want hear it. help  know do *67 when call

Got an email today from ACS Legal Group saying that I owe $710 from a payday loan company that I never even heard about. I've noticed from other reports, that the collection managers name ( Matt Williams) stays the same, but the numbers change.  Do not replay call then and let then know you call the police.

Phantom Debt Collectors From India Harass Americans, Demand Money

By BRIAN ROSS (@brianross) , CINDY GALLI and MATTHEW MOSK (@mattmosk)
June 7, 2012

Hundreds of thousands of cash-strapped Americans have been targeted by abusive debt collectors operating out of overseas call centers suspected of links to organized crime in India, law enforcement officials told ABC News.

The calls are part of a massive scam, one that appears to target struggling Americans -- especially those who have gone online to apply for payday loans. Armed with personal information from those pilfered applications, the threatening callers, who claim to be debt collectors poised to initiate legal action, have managed to pry loose millions of dollars from their victims -- even when the victims never owed money in the first place.

"This is what we call a phantom debt collection scam," said Jon Leibowitz, the chairman of the Federal Trade Commission. "It's a very pernicious and innovative new fraud."

Working through call centers in India, the commission estimates that the criminals have dialed at least 2.5 million calls, persuading already cash-strapped victims to send them more than $5 million. Some have reported receiving dozens of calls per hour. They are victims like Cindy Gervais, of New Orleans, who went online for a quick loan when her husband's car was hit by a driver who didn't have insurance.

Even though she paid the loan off, the so-called "phantom" debt collectors with Indian accents began calling to say she still owed money.

He more or less told me that if I didn't pay, they were going to have someone on my doorstep to arrest me," she told ABC News. "And that they were going to contact my place of business, and tell them what kind of person I am."

At first, she said she resisted. Then the calls became more frequent, and started to ring on her cell phone, and at the grocery distribution company where she had worked for 27 years.

"I was more or less was in panic mode because he told me there would be someone before noon at my place of business to arrest me and take me to jail," she said tearfully. "So I agreed to pay him."

After receiving scores of complaints, investigators with the FTC said they began tracking the calls, and following the payments. They alleged the payments led them to a California company run by an Indian-American named Kirit Patel, and that such scams would not be possible without American front men.

"I would say that all roads of this scam, or many of the roads of this scam, lead back to Mr. Patel," said the FTC's Leibowitz.

ABC News tracked Patel for weeks, from the suburbs of San Francisco to Austin, Texas.

Patel refused to talk. But his lawyer, Mark Ellis, said he believes it is far too early to pass judgment on his client. Ellis, a Sacramento-based attorney, told ABC News that Patel was hired for a nominal fee to set up an American shell company, and had no idea what the call centers in India were doing.

"I can tell you, he was as snookered by the people in India as anybody," Ellis said. "He's a 69-year-old man who is nearing his retirement who thought all he had to do was set up some corporations and everything was on the up and up. He's completely dismayed that he has become the lightning rod of this entire problem."

A close friend of Patel's also defended him in a brief interview at his home, saying Patel was not trying to defraud anyone -- he was just an unwitting, bit player in a larger scheme.

"If Mr. Patel was just a cog in the wheel he seems to have been a pretty big cog," Leibowitz said. "It is clear that Patel was integrally involved with this scam."

Leibowitz points to thousands of pages of financial and phone records gathered by the FTC and filed as part of a civil case brought against him in the U.S. District Court in Sacramento last month. When FTC lawyers sought to freeze his assets and prevent his business from continuing to operate, Patel responded by invoking his rights against self-incrimination. His lawyer told ABC News he has had to be careful in how he responds to the allegations in civil court "because there is a potential criminal action," but that Patel maintains the allegations against him are false.

Federal investigators said the phantom debt collection operation that allegedly benefitted from Patel's assistance was one of several that all trace back to the same small town in Western India called Ahmedabad. Callers use technology to make it appear that the calls originate inside the U.S. Victims provided ABC News with recordings of dozens of the calls, and many of the thickly accented callers appear to be reading off a script.

"Subpoenas have been readied, and Monday morning you're going to be picked up from your home," one caller says on a victim's voicemail. "And you have children. Don't worry about your children. We have a childcare department to take care of the children."

"You will be behind bars for six months," said another caller. "And once you go behind bars, you will lose your job. Once you are behind the bars, you won't get a single drop of water."

William Peerce Howard, a Tampa attorney who represents victims of harassment from debt collectors, said it takes an especially twisted criminal to use threats and coercion to pry money from someone who is already struggling financially

"These guys really are the most visible villains in America today," he said. "They make a living scaring people."

Mark Merola, of Florida, said he just panicked when the caller told him he might be arrested at the deli where he works in a Florida retirement community.

"I was nervous. I didn't want to embarrass myself, my family," he said. He used his debit card to pay the collector $576.

Afterwards, he says he realized "how stupid I was."

"It just happened so fast," he said. "I got scared."

Leibowitz said he hopes with more attention, future potential targets of the scam will recognize red flags before they turn over any money.

If callers say they are from the police, consumers should know that law enforcement officers do not collect debt for private parties. If the caller is speaking with a thick Indian accent, but calls themselves by a names such as Officer Mike Johnson, that should be a tip off. And if they're calling 40 times in two hours, that's another red flag. "Legitimate debt collectors, legitimate pay day lenders don't do those sorts of things," he said.

Merola said he would like to see anyone involved in the scam prosecuted aggressively.

"There's no place in society for these people," he said.

http://abcnews.go.com/Blotter/phantom-debt-co ... 16512428&page=2

Got an email today from ACS Legal Group saying that I owe $710 from a payday loan company that I never even heard about. I've noticed from other reports, that the collection managers name ( Matt Williams) stays the same, but the numbers change. Be very careful. I smell SCAM written all over this.