ACS INcorp They claim they have my SSN on hold and are going to take me to court. Over a PayDay loan of $955.75. 20 th Avenue, Melba New York

I too have received a letter or two regarding something similar as well as received phone call(s) saying something like that - they have my info including my SSN on file and if I do not pay them X amount of money they will sue me for a larger amount.

I then proceed to ask them where and when I supposedly took out this loan (which I know I did not do) and they cannot provide the info. Sometimes then they ask for my info, to which I immediately reply "Wait you called me and claimed to have MY info already so why ask if you already know it?". If they do not hang up by then, I get their company name or whoever they claim to represent and get their contact info (if they do not provide it a Google search will).

Trust me there are SO many scams going around.... if you have ANY doubts or questions, contact the business listed at the top of the letter (do NOT contact using the info on the letter as it could be falsified as well so do a Google search for a contact phone number/name). If that does not clarify any doubt or questions, you can also do a search for the supposed company that claims to be ready to sue. I believe that also qualifies for extortion also (besides being a scam).  The simple definition of extortion is "The obtaining of property from another induced by wrongful use of actual or threatened force, violence, or fear, or under the color of official right".

If it is found to be false, contact the BBB and let them know. I would also contact the FBI and/or FTC if necessary.

Here is a link about fake "phantom" collection notices from the FTC.... www.consumer.ftc.gov/blog/phantom-debts-and-fake-collection-notices

I say do NOT panic and most of all DO NOT wire ANY money to ANYONE for ANY reason period.  If you do that money is gone and there will be absolutely NO way to get it back!