Okay. I'll try to start at the beginning. I have a citicard that I defaulted on. I 100% admit that. Last month I got a phone call from a man by the name of John Britton. He talked really fast and threw out a lot of legal words like litigation, garnishment, subpoena, etc. He made himself sound like an attorney to me. He didn't tell me he was from Academy Services. He said some attorneys office, but then later in the call just said Academy when I asked where he was from. An internet search of the number told me it was ACS. But I was scared at the time so he convinced me to sign up on a payment plan that I couldn't afford and to give him my check numbers. I told him $400 every other week was too much but he said he didn't care that I need to come up with it if I want to stay out of court.
After hanging up with him I called citicards, they told me to just send them the money and then when the account gets sent back to them that they will see I've been making payments and that they will work with me.
So I call this John Britton guy back to tell him to cancel the checks. *magically* I'm not able to get through to him.
Well, 5 days before the check is due to clear someone, gee I wonder who, wipes out my bank account. So the check that Academy Services submitted doesn't clear. It bounces. The very next day I get a phone call on my home phone. He just says its John Britton and that I need to call him back. Doesn't ask for me, doesn't say much other than that and his phone number.
Then I get the following call on my cell that same day:
"This message is for (my name) This is John Britton calling from the final adjustment department from ACS regarding your returned check, the bounced check. Unfortunately i have to report this as obviously an evasive tactic to not resolve the debt. And unfortunately someone gave you bad advice or you wrote a check that you couldn't make good which is just as wrong. This is quite serious you need to return the call and get this resolved. number is (his number)"
Then today I get this call on my house phone:
"This message is for (my name) This is John Britton calling in regards to the returned check, look this situation needs to be resolved. You need to address this issue, There is no way around it, whats done is done. You shouldn't have done it but you did. So now you need to face up to it and resolve the issue and to do that you need to return my call. Its John Britton at (his number)"
And immediately after that I get this call on my cell phone:
"This message is for (my name) This is John Britton from the final adjustment department of ACS. I know you recognize my name by now. I'm sure you have it memorized. The situation needs to be resolved. The check was returned. There is a serious issue here that needs to be addressed and resolved. You bouncing a check is not a good thing, not going to get into the legalities right now. but you really do need to rectify the situation and I'm running out of time and to be flat out honest with you, patience. So do the right thing and call me back. If they do proceed its going to stay with you for a long long time and your very very young, don't recommend it. It's John Britton at (his number)"
What is upsetting me the most is that he is leaving this on my voice mail that anyone in my house could here. He doesn't give any disclaimer or anything. Just blurts it out. I'm not sure what to do. Should I call him back? The tone in his voice mails are NASTY. Like he is scolding a 5 year old. I'm so angry I want to call back and ask him where the hell he gets off leaving messages like that on my phone. But I know that won't help anything. I'm just trying to figure it out.
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