229-384-5700

I received an email from this individual labeled ACS Debt. There will be a case # and will list something like this:

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, A.C.S has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit

I also received the same email. Are they real or are they a scam company. Please help me out. Thanks.

I believe they are fakes, the emails comes from a gmail account. what debt collection company uses a gmail account? scam

I got the same email.

I just received the same email.  I have a school loan through ACS. I logged in to my account and now I have a zero balance and says its been purchased by guarantee agent?  Is it real??

This is a long summary, but you need to read it carefully if you think you are being threatened by a debt collector.

The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:

* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.   ["Written" means snailmailed ... not emailed or texted]

* Debt collectors may NOT
- repeatedly use the phone to annoy someone.
- falsely claim that they are attorneys or government representatives
- falsely claim that you have committed a crime
- falsely represent that they operate or work for a credit reporting company
- say you will be arrested if you don’t pay your debt
- say they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so
- communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.
- say that legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action
- use a false company name
- take or threaten to take your property unless it can be done legally;

The debt collector may not garnish your wages unless there is a court order to do so.
+ Many Federal benefits (including Social Security Benefits) are exempt from garnishment

You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000,

Report any problems you have with a debt collector to your state Attorney General’s office, the Federal Trade Commission, and the Consumer Financial Protection Bureau.

Source:
https://www.consumer.ftc.gov/articles/0149-debt-collection

You would think that if a collector cannot make contact by phone they would try to contact by mail.  We've never spoken with the collector who has called us for four years (they don't state who they're looking for at our number).  We have a policy of not speaking with unknown callers, not initiating any business matters based on a phone call, and ignoring commands from strangers in a voice message.

Yet, to this day, no one has ever notified anyone here that they owe any money (notice by phone call is not acceptable here).  The idea of a bill coming in a phone call is ridiculous and unprecedented.

It looks like if you never speak with them in the first place, they can't proceed.  This is baffling to me since all legitimate business is conducted in writing, anyway.  Maybe the collector calling us is up to no good and just trying to keep themselves out of trouble.  In any case, they seem completely thwarted by our simple phone use policy.

Unwanted call saying I owe money

I wonder if some how this person got into student loan data base. Has anyone done a reverse phone number.
229. 384 5700
Who is listed on this phone number
Has anyone reported this to ACS
My student loan was paid off years ago and I got the same email

I have been getting emails for over a month
They use the number 229-48-5700
People are a scam
And don't speak English

I recieved yhe same message

This is real and they are working with the Credir bureau as i am a Federal agent and confirm their being Legit. My employer id id xxxxxbp5696.

John Chiari
Agent
Federal Trade Bureau

No, you are a shill, working for a scam company.

Lurkers:
A phone call from a supposed debt collector is not legally sufficient evidence of debt.

The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:

* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.   ["Written" means snailmailed ... not emailed or texted]

Source:
https://www.consumer.ftc.gov/articles/0149-debt-collection

Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via green dot, Western Union, or other untraceable means, then the call is definitely not legitimate.

IF you wish to communicate with the supposed collector / creditor, visit  the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/

If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

1. There is NO such thing as the Federal Trade Bureau.
2. You can not even write a sentence - or spell basic words..
3. It is illegal (do you know the meaning of that??) to claim to be a federal employee.

Total scam.   Originates in India.   Ignore.   Report them here:  

FBI on their Internet Crime webpage     http://www.ic3.gov/default.aspx

Total scam.   Typical phony e-mail .  Originates in India.  Threatening you with all sorts of legal nonsense.   They are trying to scare you into paying them something.  Ignore them.  Don't talk to them.  DO NOT SEND THEM ANY MONEY.  They will require a green dot money pak to make the matter go away.  Green dots are untraceable.  

Report them:  File a complaint with the FBI on their Internet Crime webpage     http://www.ic3.gov/default.aspx

They are scammers in India.   They do all sorts of things to try to scare people into sending  them money.

229-384-5700  this number and an email came telling me I need to pay money

Ignore.  Total scam.  See previous notes.

Keeps harrassing me