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ACN and Associates

Date: Tue, 02/17/2009 - 12:42

Submitted by anonymous
on Tue, 02/17/2009 - 12:42

Posts: 202330 Credits: [Donate]

Total Replies: 72


has anybody heard of this place? i think they are trying to pull a fast on on me by saying somehting about filing legal papers
upon going to their website

they just look like a collection angency. i was called by a mr. salerno 866-536-8963 x 103
anybody else talk to these people?

thanks


ok, so i called this guy and said that he is a litigation company hired to "help me" out with a debt from cashnetpayday.com
he said he doesnt care if i pay this or not, that he is the man to help me out from paying 1200 down to 515 then down to 315 (orignal loan) he said that if i didnt pay, they will forward this to the attorneys for further suit. maybe sue me...but he said that 1200 bucks isnt that much to care about, but it will hurt me in my credit (which is already shot)
i have until the end of this month to let him know if i can pay the 315, if i cant, that i will havae to go up to the 515 in two monthly payments....
what should i do???? i really cant afford to pay anything, im a single father living paycheck to paycheck.
he asked for my checking or debit card info to do a "good faith" that i will pay on that date, i told him i dont have either, and he said that he will put up his own account, and to call him back when i send the money order....


lrhall41

Submitted by on Tue, 02/17/2009 - 16:48

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S M,

Have they contacted you by mail about this? If not call them and tell them you want something in writing about what you owe. He will probably start to get pissed and tell you he doesn't have to send you anything and if you don't pay they will put you in jail......all lies.


If you do not get them to send you something by mail, ask them for their address, if they don't give it to you, hang up on them and ignore the phone calls. File a complaint with the attorney general, FTC and whoever else you can.


lrhall41

Submitted by pokertramp on Tue, 02/17/2009 - 17:00

( Posts: 512 | Credits: )


i just got this in my email

Re: Settlement offer Balance $315.00 Dear Sarany, Your delinquent account with (CASH NET ACCOUNT #-edited - ND) has been forwarded to our office for finalization. I have been instructed to bring legal action against you as maybedeemed necessary, which may result in levies against your property or other assets after judgment. Based upon phone negations with our firm we will accept full payment agreement of $315.00 on or before 02/28/09 total waving all retainer fees.Please contact our firm with the proper post dated checking information immediately if you have not done so already. After the final payment post we will report to all 3 credit reporting agencies settled in full with a zero balance. Sincerely, Mr Salerno (866) 536-8963 Ext 103V.P. Director of Operations Payment by web ACN AND ASSOCIATES LLC.

5677 S. TRANSIT RD.

SUITE # 315

LOCKPORT, NY 14094


i SPECIFICALY asked him for a debt validation letter... i replied and told him i did not agree to anything and that i wanted a debt validation letter instead


lrhall41

Submitted by on Wed, 02/18/2009 - 17:38

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save that e-mail.you did send the DV letter certified mail right?if so then they just commited an FDCPA violation.let them know that and anything further will be saved as well.see how that goes over.


lrhall41

Submitted by paulmergel on Wed, 02/18/2009 - 17:46

( Posts: 15514 | Credits: )


Is ACN AND ASSOCIATES LLC the name of the company? If it is then it is a scam from what I see. I searched them on the NY corporations search and came up with nothing. I even searched the other way, ASN AND ASSOCIATES LLC and came up with nothing.

Did they give you the first and last names of any attorney(s)??? If you have a first and last name I can look them up. I also searched the address that they provided and came up dry on that too. I found only one business at that address but no suite number.

I think this company is a big scam and you should probably stay as far away as possible. As Paul said, save the E-Mails and anything else you get from them.


lrhall41

Submitted by pokertramp on Thu, 02/19/2009 - 05:40

( Posts: 512 | Credits: )


what do you think i should do, should i worry? should i pay the debt? im going to send the DV letter today... just wondering what i should do at the end of the month when im supposed to pay these people...
is there any way to find out if these people are really attorneys as they stated they are?


lrhall41

Submitted by on Thu, 02/19/2009 - 07:43

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i just got this reply after asking for a debt validation

At this point in time all documents will be presented by our firm at the time of civil litigation.
Please have all records you wish to present in court available. We will begin the process as of this coming week to pursue every option available to this firm as we do own this debt and will take the efforts to complete the collection of this account.
In edition the following is now being added due to civil litigation and including non sufficiant funds charges :
$1250.00 retainer fee
$ 515.00 including all interest accrued

Total balance due after civil judgement rendered in our favor $1765.00

Thank you and good luck in the future
Alan


lrhall41

Submitted by on Thu, 02/19/2009 - 09:19

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i just got this email as well

We understand what your asking for but unfortunately we are not a collection agency we own these accounts now and we give courtesy to pay the balance owed before these accounts are pursued though the civil court system. We will not release any validation letters until that point.
If you intend to pay this account balance then we would need representation of immediate promissory note today post dated for that date.
Alan


lrhall41

Submitted by on Thu, 02/19/2009 - 09:31

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sorry if i update too much
i just did a reverse lookup of the address i got from them and called the ups store associated with this address, and asked what the address is. she gave it to me
5677 s. transit rd
lockport, ny
i asked her if there is a suite # and she said there isnt, that its a stand alone building...
mr. salerno, from ACN gave me suite 315 when i asked for his address, and when he gave it to me his voice sounded like he was confused and said "suite number"?

i cant wait to send the letter


lrhall41

Submitted by on Thu, 02/19/2009 - 12:23

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Ive also just been contacted by this firm, they have stated they do not have to follw the FDCPA because they purchase the debt, making them the first party, taking them out of that act. Is this true?

I wish the other user wouldve updated the aftermath to see if this place truly is legit.


lrhall41

Submitted by on Thu, 03/12/2009 - 11:20

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Wrong! The only 1st party is the OC. They will be the only 1st party for ever and ever. Any subsequent owner of the debt is a 3rd party. Inform them that when you drag their a$$es in front of the judge, he can explain the concept of 3rd party to them. No need for the OP to confirm legitimacy, their stupidity tells the tale.


lrhall41

Submitted by NASCAR_Devil on Thu, 03/12/2009 - 11:34

( Posts: 4671 | Credits: )


So what the F should I do? I have an attorney telling me that they are just using scare tactics, but Im really nervous on taking the risk of going to court and getting garnished.

A few quick questions I hope you can help with. Is a bad ACH/NSF claims the same as a bounced check? Is thast criminal?

Also what does OP/OC mean? Im not familiar with these abbreviations...

THey have told me that my balance will grow if it goes to court, because the retainer they take out on the firm licensed in my state is my responisbility to pay for. Is this also true?


lrhall41

Submitted by on Thu, 03/12/2009 - 12:13

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they also claim to be a litigation firm, not a debt collection agency. They state that they only contacted me as a courtesey to inform me of a pending legal action, and a last ditch effort to prevent it from going to court.

Furthermore, if they are legit, and they DO take me to court...what would the next step be? Will I have to go to court in a week? Or two months?

Do I have to dig for documentation? Or do they have to mail me or my attorney the information?


lrhall41

Submitted by on Thu, 03/12/2009 - 12:15

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They harass me with phone calls for some little girl I hardly know and haven't seen in almost a year. Will not give me an address to send them a cease and desist.

They BUY bad paper from institutions and check cashing places. Please don't let them use scare tactics on you. If you made a mess.... just clean it up as soon as you can. Pay the original institution payments, not ACN. Don't even answer their calls.... block their number. Heck.... change your number!

These are low life collectors who will do or say anything.


lrhall41

Submitted by smith-junk on Thu, 03/12/2009 - 19:45

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these ding alings are amateur, rogue collectors they masquerade as a law firm and state they do not have to follow the fdcpa record the calls request authenticity and verification of the debt i spoke with their so called vp, alan rayford he is so emotionally attached the account that he can't think straight, and thus he breaks the law i am in the business of resolve outstanding debt, and it's a shame that we are sometimes unfairly maligned with thes bottom feeding bozos good luck


lrhall41

Submitted by on Thu, 04/09/2009 - 11:14

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I am getting calls from this company for someone I used to work with and used me as a referrence. Apparently she has some bounced checks - no surprise - that they are trying to collect on.


lrhall41

Submitted by on Thu, 04/16/2009 - 13:00

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I got a call from these people and I called them back and asked for a Mike Salemo or something and the guy that answer the phone ask me my name and ask me why they were calling me I said you tell me you called me. He hung us and a few minutes they called me back I asked them to send me something in writing varfying I had a pay day loan and the girl go nasty and smart with me, I told her I have been a victim of identity theft and she proceeded to be smart so I hung up. I know my rights and if I am wrong please post. She has to provide me something in writing.


lrhall41

Submitted by on Thu, 04/23/2009 - 11:46

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I just got a call from my ex husband who told me that someone named Mr. Collins was calling his sister about me. Gave him the phone number of 866-536-8963 and 585-200-3221 and told him that they are looking for me. He told them that I had fraudulently passed checks on a closed account for a payday loan and that they were taking my file to the district attorney on Monday if I did not pay them $811.25. He told them that he didn't know anything about it and didn't know where I am. He told them that we were divorced and that he doesn't talk to me, only to our daughter. Mr. Collins proceeded to tell him that if he couldn't get a hold of me then they were going to take me to court and that our daughter would be going to live with her father. Basically trying to imply that I am going to jail. I have never talked to this Mr. Collins. I am just wondering if I should call him and try to get some information out of him or what. Any help would be appreciated. Thanks


lrhall41

Submitted by on Fri, 05/08/2009 - 15:39

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