ACS has never sued anybody, that is not their job. All they do try and scare you into sending them a payment. They will try anything to get you to send them money. Their whole job is to try get you so upset and scared that you will send them money rather than making your house payment or putting food on your table.DON'T LET THEM DO IT. THEY ARE ALL A BUNCH IF IDIOTS SITTING IN A CUBE. A debt validation sent to them Certified mail with return receipt will keep the from calling you in the future. It worked for me.

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How did you come to this conclusion? It really is not a very bright reply. Oh, and as for the house payment, maybe you can speak with your mortgage company and defer a paymet to free up some cash. Or maybe look into a refi to settle all of your outstanding debt.

But that is just one idiots suggestion.

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Duplicate Content removed as per forums rules - Mike

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NO ACS will not sue you, they will however make threats or statements that make you think you are going to be sued by them this week and your paycheck on Friday will be garnished. Your paycheck will not and cannot be garnished until after you have been to court and a judgement won by the creditor to do so. Citi might do this, but that is 4-5 years down the road. ACS' whole game is a psychological one. ACS collectors break fdcpa on a daily basis, and are scum of scum when it come to collectors. I would not deal with at all. NEVER GIVE THEM POST DATED CHECKS OR electronic access to your account. Send them a debt validation letter with return receipt, or wait for this roll over to another collector (6 months or so) Powerstroke was wrong above about then being idiots sitting in a cube... IT IS A CUBICAL but they are still idiots. They probably not even have a cubical just a big room with idiots that could not get a job at Burger King..ya want fries with dat

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Academy -aka- "Academy Financial Services"
alt # 215.320.0424

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debt collectors are liars, cheaters, etc... They take advantage of every loophole possible and even break the law. They have been featured on almost every news program from CNN to 60 Minutes. There are laws in place to contain their harassment and collection efforts and to make this process more civil, but most figure the risk of getting caught is minimal and that the rewards of endlessly harassing and fleecing victims is far greater. We now have the power to take back our lives, stop them in their tracks and sue them for more than they are trying to collect.

First, lets start with what is actually owed and how most collection agencies work. Usually a unpaid debt is either sold or turned over to a collection agency. 95% or more of these debts are credit cards, store cards, gas cards, etc... These debts are then tiered according to age of debt, amount, credit, job history, etc... Generally most debts are bought for pennies on the dollar. Recent debt may go for $.15 to $.25 on the dollar whereas old debt that has had numerous collection attempts goes for $.05 or less and debt that is beyond the statues of limitations for the state the debtor resides in goes for less than $.01. So, for instance if you owed $10000.00 on a credit card, the debt collection agency paid at most $2500.00, but probably paid less than $1500 for it. Now, what's interesting is that they will call and write you stating that you now owe $14000.00 or so stating that it has accrued interest and various questionable fees. This is all profit if you were dumb enough to pay that. A fair settlement would be $1700.00 or less. So, the point here is that you don't ever owe what they are trying to collect from you - it is always far, far less.

Secondly, lets give you some more ammunition - The 1977 fdcpa (Fair Debt Collection Practices Act) gives you rights the debt collectors won't tell you about. If you don't want to hear from them again, its easy. Just write them a letter stating that you wish they cease all contact with you (make sure you put in the letter that - P.S. This letter is in no way an acknowledgement of the above listed debt(s) - that way they cannot even attempt to try and re-age your debt (add another 7years of collection and reporting to further harass). Send the letter registered return receipt requested mail and keep your proof of receipt. If they contact you after this for any reason other than to tell you they are either dropping the issue or taking it to court (99.99% won't go to court as it costs them more money and their odds of getting anything are almost zero - even with a judgement) then you can sue them for each occurrence for $1,000. People win these suits every day - most settle out of court for a lot more than the original debt (just look this up on the internet under small claims court). You also have the right to question the debt and have the debt collector provide proof. Many debt collection agencies are being sued by many debtors for their failure to provide proof. Just look up Asset Acceptance on the internet - they are one of the biggest abusers of this federal law with thousands of outstanding lawsuits for harassing debt collection practices.

So, now you know how to stop debt collection agencies in their tracks. You know how to get relief - sue them! If enough people sue them things will change. Also use your state and local resources. State Attorney generals go after debt collection agencies that routinely break the law, Consumer protection agencies (the Better Business Bureau, etc...), the Federal Trade Commission goes after the worst abusers, and, of course, your state department of insurance and finance (whom actually licenses these agencies rto operate in your state). You state department of finance and insurance, or similar, has the power to fine, punish and even banish the debt collection agency from your state. Every state requires a debt collection agency to be licensed and put up a large financial bond (around $50,000) to operate in your state. Call these folks if you are having problems with a debt collection agency - they will get immediate results in your favor. Don't threaten the collection agency that you have these rights - use them. Bring the collection agency to its knees if they are violating your rights.

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I settled with Academy went from 8000 to about 3000. I couldn't come up with a payment one time so they flew off the handle. They were taking payments through my bank. Post dated checks if you will. Now they are trying to be nice to me because my next set of payments is due. Can I just send in money or do I HAVE to talk to them on the phone??Help.

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Did you get this "settement" in writing??? If not plan on paying them the WHOLE AMOUNT. No you do not have to talk to them on the phone ANY TIME, send them a check....they will cash it before the ink has dried.

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I just can believe how rude the staff at Academy Services are. I have asked Alice Mays several times not to call me at my place of employement. She continued to. I would say " Alice, do not call me at work i will get into trouble and i would then terminate the call. she would call back about and hour later stating she spoke to my supervisior and she gave Alice permission to speak with me during my work hours. I asked alice mays several times who she spoke to and she would not give me that information. she then put her supervisior Jay Johnson on the line who would not give me a supervisiors name. he threatend to sue me, have me taken to jail and have my wages garnished he effective 6/19/06. I then told Jay Johnson that no garnishments could be down without a court hearing. he called me a stupid lying **** and that he wanted his money or he would hunt me down. [/b]

****Adult term removed - Jason

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If you don't want to hear from these "idiots in a cube" again, its easy. Just write them a letter stating that you wish they cease all contact with you (make sure you put in the letter that - P.S. This letter is in no way an acknowledgement of the above listed debt(s) - that way they cannot even attempt to try and re-age your debt (add another 7years of collection and reporting to further harass). Send the letter registered return receipt requested mail and keep your proof of receipt. If they contact you after this for any reason other than to tell you they are either dropping the issue or taking it to court. They will just drop this account and it will then roll to another company that you might have better luck in dealing with. ACS collectors dumb&stupid lacking in any formal training, how this company stays in business I just don't know.


Welcome to Academy Collection Service!

Ethical, courteous and professional revenue recovery leveraging cutting edge technology to quickly and efficiently resolve delinquent accounts on a national basis.


The above is taken from their website.....Does that sound like the ACS idiots that you have dealt with????
I think not.

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Duplicate Content removed as per forums rules - Mike

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Duplicate Content removed as per forums rules - Mike

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I started getting calls at my work all of a sudden, they call my home phone, and cell.leaving me rude messages, Like today i got a message that it is in my best intrest to call them immediately by 4:30pm pst,and telling my voice mail at work to pick up the phone now or I will be sued! Can they threaten like that? How do I get them to stop? I can never really get an answer out of them! Her name is Ms. August, and a Mr. Black and so on! I called and no one will tell me who they are I get over 10 calls that is NO JOKE! a day at work,and cell they only leave 1 or 2 messages and they are RUDE, DEMANDING,THREATING! Can some one please tell me what to do? the phone # always changes but the one that is the worst is 800-441-6881...Thanks

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This is the WORST company in the world! Someone stole my credit card and I couldnt prove it except I dont own anything they said so I was kind and making payments thru another company who sold it to ACS WELL... I expect a call everyday --usally when I am in class .... and sometimes twice a day (O JOY!) and even sometimes I get teh crappy line " this is in the final collections dept..." but the worst was when they called (UNAVLAIBLE) and marked it "URGENT" -- I hear urgent I think my Grandma is DYING not some stupid debt.... these people are the scums of the earth... there is a place beside Judas in hell... for collectors!

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If anyone has been victimized by Academy Collection Agency's unlawful acts, please send me an e-mail and let's get in contact to find what we can collectively do about this

email address removed as per forum rules - Mike

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For some reason these people are calling me and everytime they call I'm not arount to answer the phone, I think it's because I keep my phone on vibrate. But anyhow, if you owe money and obviously don't have the money to pay it back, just don't answer the calls, after 3 years, they leagally can't call you anymore. And if they sell to another Collection Place, to reactivate the 3 year law, tell them you don't owe them anythingthing because they were not the origianl collection agency. If they keep calling, keep track of their calls and record them, report to the attorney general, and they will stop calling otherwise, find out where they are located and pay them a nice visit.

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