ACS(Fast Cash) Ripoff Scam Unknown California

These type of "companies" were profiled on ABC news months ago
They hacked into payday loan companies and stole the information
Just let them know they are nothing but scammers and hang up
Report them to the appropriate agency - you cannot be arrested for a debt unless it is a bad check period (same thing happened to me - sued them in District Court and won)

Regarding my previous post, if ACS IS the company claiming that you owe this money, the FDCPA doesn't apply. It would only apply if ACS is a collection agency. Otherwise, you would have to look to other laws, such as state harassment statutes.

No legitimate attorney apprises you of a pending legal claim by telephone call. It sounds like they may have committed some FDCPA violations, including:

- making it appear as though a communication is from an attorney when it is not;

- misrepresenting the status of a debt;

- illegally communicating with a third party about the debt;

- unecessarily calling your workplace.

I'm guessing that the first call, asking you if you had an attorney, was a "recon mission" to gauge the risk involved in violating the FDCPA: they tell you to have your lawyer call them; if your lawyer does call they stay within the law because you have a lawyer; if no lawyer calls, they go ahead and violate the FDCPA because you don't have anyone to advise you of your rights.

If I were you, I would make them the following offer: I will release any claims I may have against your company for violations of the FDCPA in return for a written release of my liability on the claimed debt.

But, of course, your best option is probably to hire an attorney.

Best of luck!

I would tell him the next time he calls that you know this is a scam and you will be reporting him to local PD and FBI . I even know of another person who went through the same thing a few years back and knew it was a scam .He told me that he told the caller to go Fu-- himself and the caller hung up and never called back.