ACS Debt Consolidation Collect debts for internet cash company - Cash America Internet

There are a few grifters pulling this stunt of late. They'll call up, as they did with you, say you owe money for some sort of debt, threaten legal action, all with hazy, fuzzy "details" or without really any at all.

Remember that any legit collector has a legal obligation to provide "proof of debt" upon request. You should always request proof of debt for any debt that you are unsure you owe. Also, they're obligated to tell you for whom they're collecting, what collection agency they are employed by and provide a physical address and contact information. I've had to deal with some pretty aggressive collectors in the past who thought nothing about bending, or even breaking, the Fair Debt Collection Act laws in other areas, such as calling outside the legal times of 8am to 8pm, yelling, threatening and the like, but they cannot escape the fact that they are bound by law to provide proof of debt and contact info.

Besides, if you think about it, they claim to be collecting for a loan that was denied. Do they have any idea how stupid that sounds on the surface? Looks to me they were hoping to make a fast shake down, hoping you were in fear of a) "legal action" and b) fear of having your credit rating blemished, and make off with your money.

If they attempt to contact you again, which, given the type of scam this smells like, is doubtful, be ready to assert your rights in this area. Demand that proof of debt, demand contact details... be prepared to lodge a complaint with the A-G's office and/or the Internet Crimes Center of the FBI if they can't or won't provide these details.