ACA Recovery Harrassment, Threatening Felony Prosecution, Threatening my employment ripoff Ridgewood New Jersey

First of all let me just say I'm dealing with this company right now ACA recovery, and after reading all these complaints and finding out further information about this company and how they are frauds I most definetly will not be sending them any money via western union or via crap. The payday loan company that I originally took my loan out with, which is called mycashnow, specifically told me they have no affilation what so ever with ACA recovery and they don't even no who they are. She said if your account is sent over to collection they will send it to Credit Protection Depot, they are responsible for collecting any money owed.

Now I spoke to a Ms. James over at ACA recovery she's the one that has been supposedly helping me and says she's calling from the attornies office. Now I can say she hasn't been rude to me but insists that if I don't pay I will be taken to court, my wages could be garnished, and this will be on my credit report. After reading all this I will not be paying anything to ACA Recovery and as for you Karen, with your captioned words, this only goes to show how rude and disgusting you are telling people to "Relax" and "Pay Up" and how where desprate to get fast cash forgetting the fact that it takes longer to process a loan with a first rate bank and some people may just need the money overnight for emergenices.

So think before you start talking out of your a** and one more thing learn how to spell it's spelled "Breach" NOT "Breech", it's spelled "Blame" NOT "Blam". Now I see why you are affiliated with this company.

ACA is not the lender, they are a COLLECTION agency. Therefore they ARE subject to the FDCPA and FCRA.

Even if they were the original lender, they still are NOT allowed to release the personal financial information to third parties or threaten prosecution or employment.

And its kinda hard to take anybody seriously that can't even find the CAPS lock key and turn it off.

Kenneth,

You need to DOCUMENT/RECORD everything having to do with this, then YOU can sue them for their violations at $1000 per violation.

Sorry Karen the crook as you are part of these payday loan companies you are no better than the lowest crook on the totem pole.

But a 3rd party collector is obligated to follow to FDCPA.

It's wonderful to see the day you get personally sued Karen for the fraud you have done.

If you meet someone who works for a payday loan place KEEP YOUR KIDS AWAY. They'd beat them in a second that's what kind of people they are.

And not surprisingly several Payday Loan companies have ties to companies associated with Osama Bin Laden.

PEOPLE TAKE OUT MONEY LOANS ON THE INTERNET THESE PEOPLE SIGN CONTRACTS WHICH GIVES PERMISSION FOR THEIR EMPLOYERS TO BE CONTACTED THIRD PARTY DISCLOSURE AND NO RIGHT TO A LAWSUIT THE CONTRACT IS FULL IN DETAIL THIS CONTRACT IS LEGAL AND BINDING THESE PEOPLE NEED TO READ AND UNDERSTAND FULLY WHAT THEY SIGN ANY COLLECTION AGENCY AND OR COLLECTION LAWYER HAS THE FULL AND LEGAL RIGHT TO DEMAND PAYMENT ON ANY BAD CHECK AND OR CASH LOAN THAT HAS BEEN DEFAULTED THERE ARE LEGAL AND CRIMINAL REMEDIES FOR WILLFULL FAILURE AND NELECT IN BREECH OF CONTRACT LAW PER RESEARCH COMPLETED WHERE THERE IS CASH THAT HAS BEEN ACCEPTED VIA A OPEN BANK ACCOUNT WHICH NO LONGER EXIST WITHOUT REPAYMENT AND SINCE THIS IS A CONTRACT BREECH THEIR IS NO PROVISION IN FAIR DEBT LAW IN ADDITION THE CONSUMER AGREES AND GIVES PERMISSION AS PER SIGNED CONTRACT

RELAX AND PAY UP READ WHAT YOU SIGN PRIOR TO PLACING YOUR SIGNATURE DUE TO BEING SO DESPARATE FOR MONEY BECAUSE YOU CAN NOT OBTAIN A LOAN WITH A FIRST RATE BANK THESE FOLKS HAVE AGREEED TO ALL OF THE TERMS AND CONDITION ON THE CONTRACT THERE IS NO RIP OFF THE ONLY RIP OFF IS THE PAPER THEY FAIL TO READ ! AND HAVE SIGNED EMPLOYERS HAVE THE RIGHT TO KNOW IF THERE WILL A PENDING POSSIBLE COMPLAINT FILE WHICH MAY INVOLVE FRAUD OR ANY OTHER CRIMINAL ACTIVITY WHICH MAY INVOLVE CASH AND OR THEFT

THIS IS PUBLIC INFORMATION DO NOT BLAM ANYONE FOR YOU INABILITY TO READ DUE TO A NEED FOR FAST CASH

Kenneth,

ACA recovery are third party debt collectors and are bound by the FDCPA, regardless of what they tell you.

Go to FTC.gov and file a separate complaint for each violation of your rights under the FDCPA which you can also read and print at this site.

It is illegal for any collector to threaten you in any way with garnishment, lawsuit, prosecution, etc. It is also illegal to disclose debt or collections info to any third party.

You have the legal right to send a CEASE COMMUNICATIONS letter to them as per the provisions of the FDCPA.

Send this by certified mail, return reciept requested, and put the certified# on the letter itself and keep a copy for your records. This is very important.

Bud Hibbs has a good sample letter that you can print out from his site. It is free.

STAY OFF THE PHONE!! NEVER speak to any debt collector on the phone. NEVER give any collector your banking info.