Voice Mail from someone saying they are going to serve us

Is your husband sure that ACM Group owns his debt account? If they call your husband the next time, he can ask them to validate the debt. If they cannot validate the debt, it will mean that they don't own his debt account. Unless they validate his debt, he shouldn't pay a dime to them.

And when you ask them to verify it, make sure they actually have a contract, signed by you, etc.

These bozos called me a few weeks ago, and they would not even send out a verification by regular mail, claiming they were a "paperless" office. They sent me a letter via email with a company letterhead containing their name but NO physical address. They appear to not even have a website.

I smell a SCAM.

I got the same exact message only it was from Keith Brown and a different 888 number. I called the 888 number and told them to serve me. Still haven't been served. It's a scare tactic to get you to pay. You just find out if your PDLs are even legal in your state, you might not be accountable to pay them anymore than what you already have. My PDL was Illegal in my state. "Keith Brown" was the THIRD person I've heard from since I closed my checking account 4 months ago, trying to get me to pay a debt no one can validate. This site has been a lot of help to me and put my mind to ease multiple times over these creeps. Ask an expert on here about your particular PDLs and your state's laws. I would assume though, that since you got the same message that I did, and the PDL I'm dealing with is illegal, than most likely the ones that you're dealing with are illegal too. I get the feeling that these people all work together in a big ring.

Absolutely... if a payday lender is not licensed to operate in your state, then they won't be able to take any legal actions against you. It is just a scare tactic to make you pay. Most of the payday lenders operating in various states do not have the license to operate.

Got the same call from ACS Group...asked them to verify all the information, told me that I took out a pay day loan in June 2010...asked them to verify my information, they had the incorrect address & email as well. Asked them to send me verification of the debt, the guy asked me for my correct email address and hung up. About 2 weeks ago, got the same call only it wasn't from ACS, it was like, Neil & Anderson Associates?? (same VM, about being served, gave me a case#, and 888# and said 'good luck') and this lady talks about how she's been to my old house (which i've moved) to try & serve me (described it to a tee...wonder if she got pictures off of google map or something) LUCKILY...I live in NC..all pay day loans are illegal..and if these scum bags ever tried to serve me, they'd have to go to court and well...if PDL are illegal, what will stand?! Geeeez these people are horrible.

Oh, they wish you good luck, huh? Yeah, a lot of them do that, it sounds like a scammer. If they call again and you feel like talking to them, do NOT admit to owing anything over the phone, but tell them they MUST send you something in writing . However, if they call again and you know they're in the wrong, just hang up on them.

Need some help!

I had received a call today from capital associates I believe was the name. Said I owe Eastside Lenders and they are preparing to file a complaint for check fraud in the local court which is in PA.
I do know back in late 2009 I was being hit by multiple withdrawals out of my account and had closed it in Novemeber of 2009.
Can anyone tell me where to go from here??? What should I do? Do I pay them the $1290 that I don’t even know? Ask them to provide proof??? Go to court?? I am very confused! Please help???
If I recalled correctly I do remember applying for a PDL and then being slammed with a million e-mails from payday lenders. They could have deposited money and I owe them but I do know they deducted money and that is why I closed my accts.

Thanks for any help you can give me!!!!!!!!!

Don't give them any money until they send you some type of debt verification. Your story sounds like the typical scammer situation. If you go to youtube.com and type in "pay day loan scam," you will come up with dozens of youtube videos with news stories covering the same exact story. The attorney generals of each state are fully aware of this scam & it is climbing up the ladder higher & higher, so eventually these scumbags will go down. Stand strong!

I have gotten the same calls, asked them to verifiy the debt and they would not. They said they were a paperless office and that all the information would be in the summons. I told the lady great, then serve me so that I have something. She threatned to come to my work and I told her I worked in a secure facility (which I do) and I would be happy to meet here at the county police station located 5 minutes away. She hung up...they called again a couple weeks later same story again this time I told her I was out doing errends but I would be home in a couple of hours and to serve me at home, I also told her that if they sent someone cute I would answer the door in my underwear for them :) nothing happened. Two days ago, same phone call. They threatned to serve me at work (they seem to like to do this). I again told them I work in a secure facility but if they would go to the front desk and go through security that they could be directed to my office. Still nothing.

Long story short. Do not give them anything unless they will verify the debt and a generic email is not verification!