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Debt Consolidation Forums Creditors and collection agencies address book forums


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Ok - I'm a dumbfounded by what I've read. This company has been trying to contact me, fortunately I've been out everytime and haven't spoken with anyone. One woman left a message on my answering maching - she was decent, you could hear the tone in her voice, but she didn't say anything unpleasant. I'm not sure how I should handle this. I don't even know who or if the claim they say they have on me is valid or not and I'm afraid to talk to them to find out. What should I do?

Sub: #121 posted on Wed, 01/25/2006 - 06:07



Speak to them. See the post by Doug42 just above your post. The rep contacted Doug was cooperative and helpful. IMHO, you should talk to them and ask for debt validation. You can also send your request in writing through certified mail.

Once they respond to your letter and send the itemized detail of the debt, you can easily understand if their claim is valid or not.

Doug, you are right, not all the collectors are bad. Debtors should pay their bills???that is also true. However, circumstances sometime restrict people from doing the right thing, you know.

Sub: #122 posted on Wed, 01/25/2006 - 10:34

4u.bryan 4u.bryan

(Posts: 819 | Credits: )

These guys really are scum. Do not believe anything they say. Tape all conversations with them, because they are. You will catch them violating fdcpa in just one call. Check out an item called callcorder 3 it recordes all calls right to your computer Hard drive.

Sub: #123 posted on Thu, 01/26/2006 - 08:40


Ok they called me again today. I told them to shut the **** up and stop calling me, and he called me a little girl. WTF???

Anyway I want to send a letter to them to tell them they can no longer call me, but I do not want to give them my name (they don't have it). Would it be useless to send the letter with just my phone number?

Oh and I said something like, I will report them, sue them, etc, and the guy says he's using his personal cellphone to call me, and he will not hang up. I can see his damn number and what, he shares it with 2 other people? Anyway I'm just ranting now. But thanks in advance.

Sub: #124 posted on Thu, 01/26/2006 - 18:45



IMHO, a letter without sender's name won't get much value. Moreover it will be rendered of little importance if you wish to use this letter as a legal proof in future.

However, if you ultimately decide to send them cease comm. letter, mention the name of the person they are looking for and state clearly that this person is no more available at your number, so they should stop calling you.

If they continue to disturb you, file your complaint with FTC, BBB and attorney general's office.

As per as I can recall, they are calling you for one of your relatives, right? You can consult him/her also. If your relative follows up the issue, then you could be free from all these hassles.

Do inform us on what is happening at your end.

Sub: #125 posted on Fri, 01/27/2006 - 09:28

4u.bryan 4u.bryan

(Posts: 819 | Credits: )

this phone number calls me 4 times everyday and asks for someone i've never heard of

let's start harrasing them

Sub: #126 posted on Fri, 01/27/2006 - 10:11



Welcome to forums :D

I would suggest you to move legally. Send them cease and desist letter clearly explaining the scenario. Make it certified.

Once they receive this letter, they must follow your request. Do one more thing, try to speak to the supervisor if they call again, however, I'm not sure if the caller would allow you to reach the supervisor at all!

Sub: #127 posted on Fri, 01/27/2006 - 10:32

4u.bryan 4u.bryan

(Posts: 819 | Credits: )

they don't use real names, complain to citibank about them, have your attny complain to citi, don't give them your attny number, have your attny try to call them, chances are there will be no answer then have the attny call citibank.

Sub: #128 posted on Fri, 01/27/2006 - 19:54


in reading this thread, i come up with the following info. Names that ACS are using. Becly ???, Josh Gates,Mike Diaz,Bill Baker,Lynn Trainer,Ray King,Shelly Post,Hugh Arnold, Paul Roberts,Lisa Craven,Richard Brown, Russell Davis , Cynthia ? oh and the president lets not forget Keith Dickstein( If the shoe fits????) Do you see these arte made up names. The Company is BS from the start. Not to mention the phone #'s, call the back . If you work for them . I hope you sleep well at night cuz you will pay in the future.

Sub: #129 posted on Fri, 01/27/2006 - 21:26


PS employees of ACS, (i bet the company won't back ypu up)After all you are debtors too.

Sub: #130 posted on Fri, 01/27/2006 - 21:48


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