ACM Group - harassing at work place?

Did you mean AGM Consulting Group? I've been calls from these ppl. I too was told that I would go to jail or what not but since january when I told them they would not get a dime since they could not provide me any documentation or at least give me the name of the lender...I told them to shove it. I have not been hauled off to jail...you should worry but these ppl do call from all different numbers...it's ridiculous. They too won't leave me a lone after several times I've told them. I can't afford a lawyer but if these keeps up...I think I'm just going to have to get one.

Texas, I had a problem with ACM Group. Their threats are illegal. I consulted with a Texas lawyer regarding this company. He said ACM Group is not bonded in Texas so they cannot legally collect a debt here. He also said he ran into this company a few times and they are nothing to worry about. The best way to deal with them is to file a complaint with the FTC, Texas AG, and California AG.

I have done all the complaints to FTC, Attorney General and BBB. The good thing is I documented every call, indicated everything that was said and printed off all my complaints that I submitted and kept all the letters from BBB. The crazy thing is, they gave me a address but this was a Florida address...the BBB could not locate them. I too heard about sending a certified letter but I don't know where to send it too. I don't know...I'm not worried about it but I am tired of them calling. The odd thing is they call like every two months or so. I mean if this was true...they would be calling all the time better yet, I would have gotten a letter or summons for court..right?

To be able to sue you, not only would they be required to have a collection bond in Texas, they would also be required to be registered with the Texas Secretary of State to do business in this state. As it is, this company has no standing to bring a lawsuit in Texas. Companies like ACM Group will not sue because they would have to come out in the open. When the engage in illegal tactics as often as ACM Group, they won't even send a collection letter because they would have to spend $0.44 and put a return address on it. Then they would be shut down by AG's and class actions.

This ppl are crzy...even my fiance told me that if i were to ever get summoned to court, there is a possibilitythat I would win my case because these ppl violated every part of the Fair Debt collection act. Once I read it, I knew for a fact these perps were scammers. I will admit, I do have some pay day loans out there and for the life of me I wish there was a report I could get to let me know. I've tried Teletrack but this form didn't mention anything. So far I've paid 3 and each one provided documentation to me in writing before I made a payment. I'm paying them back slowing and some have worked with me. Believe me I will not be doing this again, pay day loans are just a big hassel and it's not worth the headache. I'm glad I found this forum....there are so many ppl in the US that are getting calls from these douchebags, I hope they get caught pretty soon. Has anyone gotten a call from someone with the National Crime prevention or some sort? These peeps also told me that I would be sent to jail. UGH!! their number is a 409#, I've been ignoring them...I only received 2 calls last Friday and they have not called back...I got a call frm them about 2 months ago. Right after a month, I told the first scammers to shove it. When I spoke to the gentleman, I was in charge. Poor guy, didn't have a chance to speak. When I asked how to pay the debit, he said the only way to pay is through a Wal-mart debit card. How bizare..I told him I had a pre-paid visa card and he would accept. BIG RED FLAGG!! After that phone call I have not spoken to this perp until last friday when they called my work. Thankfully we have caller id, so those calls went straight to vm but they never left one. I have not receive any more calls since...I'm praying everyday for them to catch these people. Don't they realize America is in a recession, everyone is in economic crisis. I live pay check to pay check, just enough to be able to live. But these ppl don't care. i don't know how they can live with themselves being so decitful. I hope one day one of them slips up and all those americans who were affected by this ppl, will have their day of reckoning. =)

I got a call today from the 'County Clerks Office' asking if I would be available tomorrow between 9-3 to be subpoena'd. He said the plaintiff was ACM Group. I was given a phone number to contact the plaintiff - 866-225-8191. When I called that number they asked for my case # (#### - NC) and I was transferred to Michael Walsh who miraculously "recalled the subpoena" in seconds as soon as he heard a few cooperative words from me. Yeah, this is usually how legal procedures happen, right? I don't think so!!! Mr. Walsh was very pushy about getting me to agree to a settlement, but when I asked for Debt Validation he had a quick change of attitude and was extremely rude and abrupt. He could only provide me with the original creditor and the original account number (and of course the amount owed). I told him I would look into it and call him back in the morning. He then provided me with his direct phone number - 657-859-4709. Upon investigating, I easily found that Michael Walsh and his 'County Clerks Office' were in violation of many debt collection laws. After the legal investigation I Googled ACM and the second link was this forum - which I am so happy I found. I have never composed a post in this manner, but I actually feel obligated in this case. Mr. Walsh will be hearing from my attorney if these antics continue. Do your research!!!

I was contacted by ACM last Saturday (June 19, 2010) by phone. They'd 'tried to contact me by mail' but got no response - or return (I'm no longer at the address they had listed (but my other addresses are on my Credit Report)

They said I owed a rather large amount on a Bank of America Credit Card from June 2001 - and would take me to court on Monday (Convenient - they 'found' me on the weekend) unless I could pay.

I NEVER had the card - so: never received statements, and of course never paid. I have the records to show. I told them that and asked them to send over Documentation before I paid, and a Mr. Santos said that they couldn't do that - as it would be presented in Court in Monday.

As an aside: Their receptionist didn't sound professional - Mr. Santos didn't sound professional - though he did have a lot of facts (a very scary idea) as to other cards that I had (of course he could find those on my CR)

The card is listed on my CR - but, as it never existed, I don't know how it got there: unless ACM managed to put it there.

So - as above, if ACM calls - follow the advice in the above responses

This place is a fraud. They emailed me a "settlement offer" and I went to the address on the letterhead to check it out....guess what! It was an empty building. The business next door said it had been empty for quite a while and was previously a mortgate company. Funny....because hours earlier i had confirmed that was their correct address with Mr. Shore from ACM group...oh no wait, today it was ABA Inc....and sometimes it is Law Offices of Paul Allen. They are unbelievable. They have called my family and friends pretending to be law enforcement and also clerks from the county courts office. They refuse to identify themselves most of the time. The first time i called, it was one old credit card that i owed $900. The second time I called, it was 4 different companies i owed money to and the total was $2000. The 3rd time it was 1400......do i really need to go on?!

Quote:

I got a message from CRS

Monday I recieved a call from a women that stated that she was investagating me for bad checks she was Jenny Long and I needed to contact her from a loan I got in March for $300 she was looking for me to serve me with a sommons for bad checks! and That she would be locating me at my job or residence, and to consider myself served. I called the # she left with an account # 1-888-454-5461 I took out a loan and never gave a check to the payday loan company. I called and made arrangements and they wanted my account #s did not give them I told them i would pay by western union or someother way.to pay 3 hours later my I went to see my mom and she said that my Brother in which I have not talked to for 1o years called and said that a Jenny Long called she stated she was an attorney and was strying to serve me with a sommons, for fruad, and writing bad checks, my mother was very upset and asked me what was going on, I called them back and told them that are aggeement was over and why would they call my bother and tell him these this the person on the other line said are you paying us or not!!! I said NO!!! called a lawyer and Attorney Genaral and I am getting ready to see if I have a law suit on CRS, attorney Genaral is sending me forms also. can they sue you for $300 or should I say will they?

This is a scam. Very smart move on your part contacting your AG-thats exactly what needs to be done. I know its hard but ignore them and tell your mom and brother the same-that someone has your name and info and is trying to scam you, for them to just ignore them. They are aggravating and scary but do not fall for their crap, thats what they do scare people into handing over their money

[COLOR=black]Interesting, ACM left a number for me to call them on 02 90187607 , when I did manage to get around to calling them it was a pass employee that they were after. This was conveyed to me by the operator who seemed to know a lot of information about me already. When I ask who ACM were the reply was that they were not allowed to tell me over the phone because of some act. This is how I ended up on this site, No happy. [/COLOR]
[COLOR=black] [/COLOR]

Ok- I got pulled into the trap of ACM, they called me last week and said if I did not make arrangements to pay my old credit card in full by end of this month then I will be served- she only pushed it back til end of month since I was terrified...I fell for it- and now need to know what to do to get out of it. I agreed to payment arrangements- now I do not...How do I stop them from charging my account next week and the following? They sent me a settlement letter and I have had a bad feeling about it- when I called the lady today I knew it wasnt right- they answer the phone "legal department" I ask what the name of the company is and he says "do you have a case number" and then transfers me. I needed to get as much data as I could so I could research them more. When I informed the lady that I know the FDCA prohibits agencies from calling me at work and not giving me other options to pay instead of scaring me to pay she was rude and said, fine then, get served at work. What to do? I fell for it since I was in fear they would serve me at work and no way could I have that happen. Please help.

I just got off the phone with these people. I am not above settling my debt, but their business practices seemed kind of shady. :\
The had been calling my birth moher (whom I don't speak with), my brother (whom I rarely talk to), and my sister-in-law's mother (whom I haven't seen in about a year). When my brother called me, he said they had been trying to serve me at my mother's home with a court summons for fraud and something else. Of course, I hit the panic button and call these people back immediately to settle. I know the debts are valid, because I've been trying to make payment arrangements for months, but could never get a hold of anyone.
When I called I explained to them the issue (the debt came from sticking out my neck for my ex husband only to get it chopped off, we're in the middle of a divorce, etc.), and they were willing to work with me, but the fact that they wanted my CC number and validation codes *on tape* kind of freaked me out, so I started asking questions. I'm the type that I'll ask 15 questions then come back to question 3 to see if I get the same response I did before. They answered the questions to my satisfaction, but after reading the responses on here, I'm really not sure. I'm about to bankrupt anyway, so I should be protected from them once that happens. But for the time being, I am not so sure...

I can't believe this! These a*holes are using the same tactics all over the world. I am from Australia and they are doing the same to me. Thanks guys, it is a relief to "hear" from you. As for the prick who said people should have stuck to their financial commitments: yeah douchebag, we would have liked that too but there's a reason we couldn't. Either unforeseen sickness, job loss or financial ruin. If we wanted illegal handling we would have borrowed from street loansharks. ACM threat you and deal with you as if they are mafiosos!

thats funny my dad got a call tonight saying it was dean and i know your son very well we go way back. my dad asked his last name and he wouldnt say and was bein sly just saying me and your son spent lots of time together and can you please get him to ring me. sounds very dodgey to me. i have never had a credit card or anything like that.

Ive been getting calls aswell for about 6 months now, always from an unavailable number leaving a message to call this number, 18774916411. Same thing, i have an upaid debt and they want to collect, ACM is a scam. Dont fall for it. Now i call them about 10 times a day harrasing them, they have asked me to stop calling and of course i respond with, i will if you will. what a joke..

Simply send them a debt validation letter. You have the right to make sure they are collecting legally. If they threaten to sue you, tell them to go right ahead, that you will simply ask for the validation in the discovery and then get the case dismissed when they can't provide it.

If they says you are guilty of fraud then you know for sure they are acting illegally because you can't be charged with fraud for debt!

Well, I was also scared by the stupid tactics this company makes and I have now been paying 100 a month for 2 years. (dumb on my part) I did not want a lawsuit or judgement so I just paid. The first guy that told me he was an attorney said that they would settle for 700.00 (crazy because if its the credit card that I am thinking was only a 500.00 card) he also said that because of the fees and charges is now 4000.00. I did not have the money to give right then so I set up 100 a month payments. I have requested numerous times the information about the debt and the company and I have never recieved anything. Now some other guy has taken over my account (2 years later mind you) and he told me that they would settle for 1200 WTF how did it go up? Now I don't know what to do, should I stop paying them, is there anyway that I can tell them they have to consider it paid? I don't want to keep paying this but I can not come up with a lump some. I feel so trapped can anyone help ? OH yeah by the way this company is not even listed on my credit report at all. :confused:

I'm an international student And i am having the same problem. These people will not stop harrading me and i am afraid i may lose my status in the country because of this. I do not know what to do but i am really scared.

" I have a card that i defaulted on back in 2005. Well ACM called my husband (whom I married in 200 at his place of work and talked to his Store Manager!"

If you paid your bills on time you would not have this issue, there is no excuse for not contacting your creditor. If you have lost your job you need to contact them ASAP and arrangement a different payment plan. But if you choose to ignore there contacts it will only get worse, clearly as you have experience they have contacted your family and it wont stop there unless you yourself take charge of the situation and establish proper contact with the debt collection agency in question. But sitting there and wining about the issue and waiting for them to make the next move will only make matters worse for yourself and your family.

You are scared to loose your status at work, then contact your debt collecting agency and make payments. You have used the funds that was given to you in good faith, and now you refuse to pay back the debt well to bad for you! It will only get worse from here belive me collecting agencies will not stop until you make payments.

Ignore Bob, he has nothing worth listening to. Sure, you have an obligation to pay your bills but you also have the obligation to live and to make sure the person you are paying is the correct person to be paid!

Funny thing is most of these people who post here are posting because of unlawful tactics used by CAs. Not a ONE of them has asked us how to get out of paying legitimate bills. NOT A ONE. And if we do get these we always answer the same. That it is best to work with your creditors to get your bills paid.

I don't even think these "pay your bills" posters are even real people not associated with debt collection agencies.....I simply refuse to believe that all of those people who come here and post that drivel are complete idiots who can't comprehend English...no, they are likely frustrated CAs who are feeling the pinch and starting to sweat because their unethical companies are coming down on them for not collecting as much money, since more and more people are not falling for the BS.

of course they are humanoids/shills/bobos for these bottomfeeders,and they act on here just like they do on the phone goldenbast.couldn't spell cat if you spotted them the c&t and gave them 500.00 to purchase a vowel.they never let the facts,or law get in their way of making a blood buck.i'm glad they come on at times.just proves we are making a difference in the ill-gotten money they are making.the idiot above you goldenbast can get back to the phones.

I made a comment and the moderator could not handle it had to delete it fuken loosers!!!!

You are banned not deleted! Bye Bye!

Heh and I never deleted anything until now...just the saying bad things to me.

i'm pretty sure the humanoid was addressing me as i am a magnet for such things.saw the deleted content and stand by my comments.btw i didn't touch his posts.i think he was looking to go postal.typical of his kind.

yeah and then when you talk to them and tell them about the hardship you are going through they still demand a payment. full of it!!! i tried calling them and talking to them but they just disrespect me. demand a payment. what can i do when i lost my job and have no money, than they serve you with papers.

were you served with papers or just threatened with being served papers?never seen a poat about this place where someone was actually served.please answer that for me as if you weren't then they broke the law with that threat.

Hi, i know a few people who work for ACM and they absolutely hate it there. They have been told to lie to people and say that they will serve people with with a court summons if they didnt pay there debts so thet can reach there targets. There not even aloud to look for a job unless they resign, so goodluck trying to get a reference whilist working there. If they are sick and have a doctors certificate its as if they took a whole month off. They dont want to pay their workers on time and act as if it is a crime to be sick....i have heard so much complaints. Does anyone know if there is someone to complain too about workplace bullying so i can tell my friends who work there?????:mad::mad::mad::mad::(

State labor board.

I ripped them a new one yesterday. The "process server" called me and threatened me, from an anonymous number no less, saying I was in trouble for intent to defraud. Last week when I called this alleged "company" they could not provide me with a contract showing my name or any proof I owe them anything, just a letter with NO emil or physical address claiming I owed the debt.
I tore Mr. So-called Server to shreds, I told him until I see a contract with my name on it showing I owe this supposed debt, I owe them nothing. I told them I wanted to see it in writing, and no BS. I told him too that the way they are handling this alleged situation is not the way an above-board company does business.
This is a violation of the FDCPA, and I have already reported them to my state AGO.

This place is also calling me at work/ home. And now they are calling my daughter X-inlaws and discussing a account that i DID NOT HAVE. Now they call me 23 times at work in a 15 minutes time frame. He calls me name f-slut, f-hore, f everything. I filed bankruptcy a year ago and they are still brothering me. They won't call my call my attorney. What is a person to do. Do we have a class action suit for harassment?

Their manager Viera acts like a cheap thug with threats. all he knows is to threaten people with credit rating effects etc. I am aghast how the reputed banks are selling the loans to this cheap ACM group

I agree with you, ACM group are a group of thugs and money sucking idiots with no consideration whatsoever. Their owners sons Trent and Dean Vieira are the biggest thugs! I am all the more happy to see them go to jail for the harassment and hopefully many more will join in the court action. I will give evidence against them in court when it comes up.

The banks and other large companies need to immediately stop dealing with these cheap B$%^^&ds.

Check out this link to a great story about ACM, courtesty of ABC News.
http://abcnews.go.com/US/va-woman-fights-collect-10-million-debt-collectors/story?id=16205697

Great story but wrong company ...it is RFA that got sued.

Have you referred your dispute to their compliance department?