Well, I tried to make a payment schedule with Academy, and they refused me, and told me that I had to come up with the money the very same day. They have stopped calling me since I've offered to make monthly payments...how ironic? They have started calling my mother instead!?! I dont understand this company.

smileyface,

collection agencies cannot force you to pay the amount overnight nor can they contact your relatives repeatedly. They should provide debt validation prior to collection activities also. It seems that they are not performing legally. So you can lodge complaint against them with BBB, FTC.

The negotiation process involves lots of tricks which we cannot perform successfully. If you take professional help from any debt consolidation company, they can get your payment plan approved easily.

You can register yourself with this site to undergo a free counseling.

I have a credit card with Citibank. I had an agreement with another collection agency to make montly payments for this. All of the sudden, this agendy drop out of the radar, my checks were being returned. Then, like a week ago, ACS called me. This was completely new for me. They want the full amount. If I had it available, I would have paid it long ago.

I was ready to send my regular montly payment to them, but after reading this site, I'm not. I'm stopping on the nearest Citibank and talking with someone there. ACS will not receive a penny from me.

I made arrangements with this company Joe Kahn for a settlement of 6500.00 sent the checks back in July to have my account settled, but I had to send a copy of my canceled check before Joe would send my settlement letter it is now November and I just received and phone call saying that my debt was not settled

My dunning name is Russel Davis,Academy truthfully is not that bad of a place to work for. I have been employed for well over a year now and beleive me this place is awesome. I have quickly advanced in the collection feild. My opinion is this if it takes you well over a year to pay back a company that lent you money is it wrong to get a call? What happens if you visit your local mob down the street and get a loan do you think you get a phone call from them? No one out there can honestly say that in 16 months you can't mail in a minimum payment to prevent this situation are you kidding me? Everyday people make there bed and everyday people lay in it you figure out the terminology.....HAVE A GOOD DAY >?<

Please report any abusive, harassing behavior by Academy Collection Services at the Federal Trade Commission's Online Complaint Form

https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

If we all report them, maybe someone will eventually give them what they deserve.

These People Are Real skumbags.They Are Harassing My sister Who Is trying to pay them But Its Never enough For them.They Have Said horrible things To Her.She Lost Her Little Girl To cancer at 31/2 years old They Told Her Her little Girl Is Probably In The Grave Rolling Over Shes So ashamed Of you. They Are Toltal SKUM. I Would love To see them Put Out Of Business No one Deserves It More than them. I think People should BOYCOTT Getting Credit cards From Citibank. If Citibank Wishes To employ This Kind Of SKUM Then WE SHOULD NOT USE CITIBANK FOR ANY REASON!!These People Are the Most Awful SKUM! I dont even think they are human!!

They have my cell phone number listed for someone they are trying to collect on. I have no idea who the person is and for over a year I have been trying to get them to stop calling me. It is my business cell and they call at all hours, blow horns into the voice mail, etc. Yesterday they called twice. I may have to change my cell number to get rid of them. Thsi is very upsetting. I just filed a complaint with the state of CT consumer--appreciate that tip from jean above.

These morons have been calling my office for the past year to speak with the old manager (gone now for FOUR years!). When I explained that this guy was no longer here, nor did I know where to find him, they STILL keep calling!

As for them calling your ralatives, etc. my guess is that they do it INTENTIONALLY to try to embarrass you into paying them. "Oh my gosh, Harvey! They called Mom! If we don't pay, EVERYONE'S gonna know!!!"

These people are scum, and should be treated acordingly

VG and Randall

Do pick up a cease and desist letter from this forum and send it to their company address. They are required to stop calling you after receiving your letter. If they continue, you are in charge of filing a class action lawsuit. Send your letter certified with return receipt requested.

Have a look at this thread:

http://www.debtconsolidationcare.com...-cdletter.html

federal laws require they use real names.
Lisa Craven is not a real name.
Lyn Trainer come on, that is not a real name.
These are noms de guerre.

they are laughable. they will get 30% of wages.
no that does not happen. they can get a judgement.
they have to collect. the cost of debt plus legal
will be $ 30,000. great. find a vein.
just their job to keep you on the phone.
you call back. tape to call. wait for them to
tell you a mis-statement of Fair credit reporting act.
and call your attorney. call the ftc. let the govt.
or your attorney handle it.

I have the same problem with ACS. They keep calling my house. They wanted me to pay $1500 by today, the Nov. 30th. At first I thought maybe I can borrow the money from my parents because I don't have that kind of money right now. They wanted me to borrow money from my family and my bank, I don't think so. My parents can't help me out right now because it was too late of notice. When I tried to call them back they refused to make any payment changes and threatened that I should would have to pay the full amount or have my attorney call them. I have begun consolidating my bills and informed them, but they refused to accept it. I am tired of the phone calls. I can't pay these people 1500 and still try to pay off other bills too.

Hi Durant1

Welcome to the forums.

Have you including the bills of ACS in the consolidation program? If so, it is the responsibility of the consolidation company to negotiate with ACS and thus, you are not supposed to get any calls requesting payments.

Talk to the consultant and he will let you know about your next move.

are you being harrassed? well let your feelings be known by emailing your thoughts to
admin(at)academycollection.com

email address made inactive as per forum rules - Vikas

I received a call from them yesterday evening. That it was imperative I call them and I had until 5:00pm(PST). I received the call at 4:33pm. I called back and there was no answer. It sounds like they are hard to work with. I really don't want them calling me at work or thru my cell phone. Is there anyway I have correspondences with this company thru mail only because I have no idea who they are? Any advice would be appreciated. Thank you.