Help!! Ace Cash Express threating lawsuit

Hello,

I'm in FL and I got a 60 day extension on my loan and wasn't able to pay it. It's been almost 3 months since that and I got a call from a Ace Cash Express in TX saying that if I don't pay it with a debit card over the phone by Friday, they will file against me and persue legal action and need to speak to my employer to get our address and information and basically making it seem as if I'm gonna get arrested. It is for $577.00 and I am scared because I don't want to go to jail. Can someone please help me with this?????

You people did borrow the money! No one forced you to take a short term loan such as a payday loan, but you did. So, you for any good reason or bad reason did not repay it, yes, they can go after you. BUT, you need to read the laws of your state in regards to NSF checks. I will also say, those of you spouting that they are breaking rules of FDCPA are incorrect!!!! FDCPA rules and laws apply to third party collections. NOT first party such as ACE. You can ask them not to call your work, and they must not call FOR you, but can call and speak to HR or manager to confirn certain information with out letting your company know specifics. Now if your company asks who they are and they say ACE CASH and your supervisor knows what ACE is then the supervisor can put 2 and 2 together. That is not breaking the law. It amazes me the amount of comments I have just read on another forum about these FIRST PARTY collectors being rude etc, well again, you borrowed the money and it should have been paid back, and some people feel that the world owes them. They are getting calls from a collector who is doing a job of trying to collect on money you pretty much "stole" cause you didn't pay it back. Then you have the nerve to get on forums and gripe????? Again, the world owes you nothing. PAY YOUR DEBTS! They may be to the point, rude, and not so sympathetic, but hello, you owe money months after you were to repay it!!!!! I really doubt that any collector cussed someone. Calls are all recorded and they are trained to say what they say with out breaking the law. I work at a third party collection agency, and the FDCPA rules do apply to us and you take tests rules etc. Again, before you start calling the atty, read the state laws on FIRST PARTY COLLECTIONS. Again, FDCPA rules do not apply to places like ACE since it is the money they loaned you a LONG TIME AGO.

Please immediately sit down and write a letter briefly explaining your current situation.

Something along the lines of:
Date: Todays date
Re: Loan # and Account # Loan Amount

Dear Sir/Madam:

This is to inform you that I am unable to pay on _________(date) as promised. Please
allow me to make arrangements with your company to pay $_________(only put what
you can truly afford to pay) but should be paid in full within 120 days.

I will give you ten days after receipt of this letter to notify me of your intentions of allowing an equitable arrangement. However, if I don't hear from you I shall assume you
are not interested in a resolution that will be beneficial to both parties.

Respectfully Requested,


Your name & signature

Don't worry as long as you are paying them something, they are there to shake you up. I was off for a whole month and could not pay my loan back right away, they even called my mom in Los Angeles and shook her up and I told them I was going to sue them, and yes I record them now and let them know that I know they are full of shit, if they take me to court the judge only cares about if you are making any payment and they cannot refuse them even though they do over the phone, I stick to the original plan, even though it is not as much as they want I still walk my payments in and get a receipt that I did and that's it. NO ONE CAN COME TO YOUR JOB BUT THE FEDERAL GOVERNMENT, IRS, POLICE If they have a warrant for you doing something wrong or PUBLISHER CLEARING HOUSE WITH $1,0000,0000,00000,0000 YOU GET THE IDEA. DON'T LET THEM GET YOU UPSET TELL THEM THEY ARE BEING RECORDED AND WATCH THE CHANGE IN THEIR VOICES.

Sounds like this person has never had a bad time in his or her life, what do you mean you people, life is not all the time gravy, some of us get in a pickle maybe that is the reason for getting a loan and it doesn't mean we are bad debt payers just because we got behind, not everyone was born with a silver spoon like it sounds to be yourself, don't judge, you are a collector yourself maybe you can get a bigger job soon.

Hi, I have a defaulted loan with ACE Cash Express here in Richmond, VA and got a call from MJS Consulting to arrange payments, I gave them my bank account number and for withdrawal on 3.30.10. So, I began checking and felt like some shady stuff was going on. So I closed my account and now have received calls for fraud, and I told the rep that I was going directly to the store and speak with them and get back to them. Can the sue me for fraud for my account number not being there, and for skipping out on pre-payment arrangements. Please someone help. thanks

Criminal action is prohibited in your state, check the link below:
http://www.paydayloaninfo.org/stateinfo/VA.asp
They are a legal lender so they will eventually sue you, but there is a solution.
This is what I would do. I would send them a letter via the mail, certified, return receipt requested, in that letter I would explain the financial hardship you are enduring but explain that you are going to pay them back. Outline a payment plan, one you can afford, and send them a good faith payment by way of a money order with your letter. Then, whatever payment plan you proposed, stick to it! If you send them what you can afford, as outlined in the letter (for example, 50.00 bucks a week, etc.) faithfully and stick to your plan, if they should decide to sue you you will have proof for the judge that you fully intended to pay them. Or, the best case scenario is, by the time they do decide to sue you you will most likely already have them paid off! Keep copies of any and all correspondence, money orders, etc. to and from them. That is what I would do.

You need to retake any "tests" you claim to have taken, because you obviously FAILED. Fair Debt Collection applies to ALL, repeat, ALL debt collectors. I've worked for one of the largest banks in the world for 15 years, in Credit, and highly suspect you either work for ACE and are trolling the board, or you work for some low budget collection site because you can't grasp simple concepts and this is the best you can do. I've talked to the people at ACE and they definitely ignore all collection rules along with being the most obnoxious people I've ever had the misfortune of dealing with.
NO collection caller can discuss your loan with ANY third party, including your work, family, friends or even references. They can only say the are attempting to contact you about a personal business matter. They can NEVER imply you have debt. Yes, they can take you to court if they decide to go that route, but you will get ample warning. Do not ignore any papers from the court. If you signed a loan that had a voluntary wage garnishment, which is required to be a separate piece of paper signed in person, they can garnish wages without going to court. However, most companies do not honor these and are not required to. In that case, ACE has to go to court.

i think ACE is just a scare tactic i use to work for a payday loan service, and if a loan will go into default it will just affect your credit, no law suits will be taken...... but im really not sure how ACE is a bluff or not!

they can file charges for worthless checks. They did it to me. I was on probation for a year behind them

You really needto file a complaint against them, I am reading more and more where people are having problems with Ace, file complaints with the BBB and your AG.

I am living in texas and i received a smiliar call, what are my options, they threatened to call my manager /employement. Like if i was going lose my job.

After reading the posts and comments regarding ACE; someone contacted me @ work on 7/8/10 and stated that I had up to 2 hours to come up with $1,048.36 or else I will be thrown in jail and I better have a good attorney and the sheriff would be picking me up from job. I never sign anything to get this loan, it was automatically deposited into my acct ($300). I tried to make payment arrangements but the guy put me on hold and said that ACE said no. He wanted me to type a letter and put all my credit card info on the letter and get it notarized and fax to him. I live in the state of NC.
Advice?

file AG,and FTC complaints against this piece of garbage.debts are civil matters not criminal ones.above all else do not pay this scamming idiot a dime as he deserves complaints.btw NC is non-garnishment,and pdl's are totally illegal.so this moron broke all kinds of collection laws.file the complaints,and a police report for the jail threat.then ignore his sorry a$$.

I just was contacted by a co.for full payment on a loan that defaulted from Ace also. I have not worked for 2 mos.for knee surgery and only have my retirement income. This man threatened me to go to jail for fraud if this 900.00 was not paid by 3pm this afternoon (thur)08-25-2010 I am scared to death. I called Ace and found out they sell these loans to other companies and then you have to deal with them. Any help would be appreciated.

Getting phone calls on a daily basis about 30 minutes apart. They called the HR department at the company I work for. They also told me they were going to have me arrested for the NSF check they have of mine. I live in Kansas. anyone else from this area having that problem??