855-807-1213

Have received multiple calls from this number & its either no one answers or
to no calls. Have also received 10 text messages with this number along with 9 others.

Received a call from these clowns about 20 minutes ago they say I owe them money from Ace cash I know I don't what can I do

DON'T FALL FOR IT!
It's a typical "scare scam" that's been going on for years in the wake of the whole payday loan/online lending boom of the last decade or so. Only difference is that now the scammers try to sound more sophisticated & official than in the past, & they now try use soft female voices to reassure & smooth-talk you instead of deep male voices to intimidate & scare you. It's the same spiel as in the past: They are "Ace Recovery" & they have records that a payday loan was deposited into your bank account 5-10 years ago & was never paid back. Allegedly they have made numerous attempts to contact you & the matter is now about to be turned over for further activity, including possible civil/criminal charges. Ideally, they are hoping that you no longer have the same bank account nor live at the same address, & they are hoping that you will be shaken up enough to just move to resolve the matter immediately by paying them over the phone in order to avoid "Filing charges". As always, as soon as you start asking questions & requesting some type of letter or documentation, then the whole scam starts to fall apart. These crooks even have a phony website set up, since they know most people are going to Google them...It looks like something a first-grader would create:

https://acerecoverydivision.com/

Like I said earlier, these scammers used to use deep-voiced men or fast-talking females (usually African-Americans) to rattle & intimidate consumers -- Now they use soft-voiced smooth-talking White women who are very agreeable & give you absolutely no attitude, hoping to lull you into a sense of security where you will pay them graciously. Do not do it!!!

They usually call people or households that have had a payday loan or online cash advance somewhere in their past, typically at least 5 years ago. They will have a name, address, last 4 of SSN, & a bank account number. They will then attempt to convince you that you or someone at that address failed to pay the loan back from whatever bank account you had back then, & this is now your final chance to resolve the matter before they "file charges"....It's all BS.

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two agencies where you should report their criminal activities.

ACE RECOVERY DIVISION AKA  ASSET, CONSULTING EXPERTS, LLC AKA LASALLE RECOVERY BUREAU (FIRM) AKA JEFFERY ABATE LAW FIRM AKA NIAGARA PORTFOLIO SERVICES (SPECIALISTS)

Number threads associated with these crooks:  https://800notes.com/Phone.aspx/1-855-807-1213#p1411731954292165104
https://800notes.com/Phone.aspx/1-716-261-3789
https://800notes.com/Phone.aspx/1-855-738-3970
https://800notes.com/Phone.aspx/1-855-738-3970/5
https://800notes.com/Phone.aspx/1-321-207-0000

Website for Ace says they are in western New York, world's #1 capital for criminals pretending to be debt collectors and also gives no actual number for the PO Box:  https://acerecoverydivision.com/contact-policy
Website for Asset:  http://www.assetconsultingexperts.com/

Whois says the website went up in April of 2018 and lists a different company name for them:

Domain Name: acerecoverydivision.com
Registry Domain ID: 2248584793_DOMAIN_COM-VRSN
Registrar WHOIS Server: whois.godaddy.com
Registrar URL: http://www.godaddy.com
Updated Date: 2018-04-06T13:17:58Z
Creation Date: 2018-04-06T13:17:58Z
Registrar Registration Expiration Date: 2019-04-06T13:17:58Z
Registrar: GoDaddy.com, LLC
Registrar IANA ID: 146
Registrar Abuse Contact Email: abuse@godaddy.com
Registrar Abuse Contact Phone: +1.4806242505
Domain Status: clientTransferProhibited http://www.icann.org/epp#clientTransferProhibited
Domain Status: clientUpdateProhibited http://www.icann.org/epp#clientUpdateProhibited
Domain Status: clientRenewProhibited http://www.icann.org/epp#clientRenewProhibited
Domain Status: clientDeleteProhibited http://www.icann.org/epp#clientDeleteProhibited
Registry Registrant ID: Not Available From Registry
Registrant Name: michael evans
Registrant Organization: asset consulting experts llc
Registrant Street: po box3081
Registrant City: niagara falls
Registrant State/Province: New York
Registrant Postal Code: 14304
Registrant Country: US
Registrant Phone: +1.7162428509
Registrant Phone Ext:
Registrant Fax:
Registrant Fax Ext:
Registrant Email: evans1616@gmail.com

BBB has no listing for Ace, but has one for Assets which has a B+ rating with 1 complaint and no reviews as of 8/31/18:  https://www.bbb.org/us/ny/niagara-falls/profi ... -0041-235982003

BBB gives Lasalle an A+ rating with no complaints or reviews, lists the same PO Box for Asset and has a link to the Asset website: https://www.bbb.org/us/ny/niagara-falls/profi ... -0041-235973722

BBB gives the Jeffery Abate Law Firm an A+ rating with no complaints or reviews:  https://www.bbb.org/us/ny/orchard-park/profil ... -0041-235971697

BBB gives Niagara an A+ rating with no complaints or reviews:  https://www.bbb.org/us/ny/albany/profile/coll ... -0041-235980475

BBB lists this physical address:  9701 Niagara Falls Blvd # 1F, Niagara Falls, NY 14304-1944

It seems that this Michael Evans is a principal in all of these criminal enterprises.

New York Dept. of State info:

Selected Entity Name: ASSET, CONSULTING EXPERTS, LLC
Selected Entity Status Information
Current Entity Name:
ASSET, CONSULTING EXPERTS, LLC
DOS ID #:
4238877
Initial DOS Filing Date:
MAY 01, 2012
County:
NIAGARA
Jurisdiction:
NEW YORK
Entity Type:
DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:
ACTIVE

Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
MICHAEL EVANS
620 67TH ST
NIAGARA FALLS, NEW YORK, 14304
Registered Agent
NONE

Selected Entity Name: NIAGARA PORTFOLIO SOLUTIONS LLC
Selected Entity Status Information
Current Entity Name:
NIAGARA PORTFOLIO SOLUTIONS LLC
DOS ID #:
4664618
Initial DOS Filing Date:
NOVEMBER 12, 2014
County:
NIAGARA
Jurisdiction:
NEW YORK
Entity Type:
DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:
ACTIVE

Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
BUSINESS FILINGS INCORPORATED
187 WOLF ROAD
SUITE 101
ALBANY, NEW YORK, 12205
Registered Agent
BUSINESS FILINGS INCORPORATED
187 WOLF ROAD
SUITE 101
ALBANY, NEW YORK, 12205

Other complaints:

https://complaintwire.org/complaint/k4Pq_4g2C ... -877-957-1762-1

http://www.scamcallfighters.com/scam-call-18667559648-Jeffrey-Abate-Law-Firm--Lasalle-Recovery-Bureau-will-deliver-papers-Extortion-Scam-5905.html

Lawsuits:

https://www.pacermonitor.com/public/case/1159 ... ng_Experts,_LLC

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid. 

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC:  https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

File a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/

Thank you for your message.  I just received a call from them as well. I blocked this number, but the message (girl) did say this was her last attempt before she filed with my county.  I say send me something in the mail to prove you are legit.

Thank you for your message.  They use a local number to try to get you to answer.  I have blocked the number and they just left me a message that this was their last attempt and they were going to send this to my county to file charges. I'm like send me something in the mail to prove you are legit.

Very professional lol.....I just looked up their website an they have a po box but not number ha,ha,ha, really people get real.  If you are going to create a website at least try to make it look professional and not powered by GoDaddy! This is a joke! I hope no one falls for this scam.

UPDATE: Received another message from Ace Recovery. I had some time to kill so I returned the call. I advised the rep that I had already spoken to them back in August & at that time had requested that they send me documentation via certified mail so that I could research this issue on my end, since the alleged bounced check is from back in 2011. Everything the rep said, I had a rebuttal for -- She must've put me on hold a dozen times. Finally, the rep said that a letter had already been mailed out...I asked why, if this is such an urgent matter, would they not mail it certified mail? After playing with them for 5-10 minutes, I finally said, Look, I get that the whole premise of this scam is to get people to pay you over the phone, but that's not going to happen -- She then said  Good Luck then & then hung up.

USPS Certified is not required, and in fact the FDCPA is not specific about how printed matter from debt collectors is to be sent. It goes without saying that you won't see a scrap of paper by any method from such extortionists, and the deadline for the initial dunning letter passed weeks ago.

} phony website ... looks like something a first-grader would create

Indeed, a sad effort which took every minute of someone's coffee break to "build" from a GoDaddy template and some horrid low-res stock photos of generic office desks. I should say they're crudely enlarged photo details, so poorly mapped as to become incomprehensible depending on the screen format. Possibly they were stolen from a sample page and this was the quickest way to crop off the watermarks.

We learn from the page footer and the page code title that "Division" can also be spelled "Divion" and that one's "finanial freedom" [sic] is a company goal. How do you say that ... is it like "inane"? ACE reps "are thoroughly trained on the FDCPA", like gymnasium equipment, rather than "in FDCPA compliance", to ensure that the law is broken as often as the workday will allow. Write to them at "po box comma niagara falls", all lower case, just how the USPS doesn't want it.

I would expect much the same disposable design, if so generous a term applies, to appear in multiple websites controlled by the same dirty debt collector, and likely with the same errors replicated. Oh, sorry, those should be "dispoable", "multile", and "replited" to keep with the ACE proofreader's style guide. What geneous!

I once had a scammer call me - then send me a letter in the mail (perhaps to seem legitimate). I googled the address and found it was a UPS store somewhere in TX that rents p.o. boxes. I politely called that store and told them that someone was using their location to extort people and engage in mail fraud. Magically, I never got a call or another letter from the scammer. I'm sick of this, too.

I just got a call from these idiots and they are saying they are calling because my name was attached to a bad check. Considering I haven’t written out a check in over a year, I seriously doubt that! They’re nothing but scammers!

called my cell today and left a voicemail that said I wrote a bad check "on their account" (Ace Recovery)and need to call them. I haven't written any bad checks and have never taken out a payday loan or such. Definitely scammers. They didn't even say whose name they were calling. My caller ID said 570.964.5811 but the recording said to call 855.807.1213

‭+1 (804) 793-8881‬-As I questioned this lady, she started getting loud and frustrated and fast-talking.  So I said send me an email.  She said she would list me as a refusal to pay and forward my information.

Are they ligit

can see how you would have problems reading the other posts to find out your answer since you cannot spell a simple word correctly. However I think you will have a very long wait for an answer from someone who posted here last year.

Received a call yesterday asking for my adult son who has not lived in my home in over 20 years. I had no idea what they wanted so I asked. I was told it was an old litigation. I told them he did not live with me & they were polite but it struck me as a strange call. Today I Googled them,Ace Recovery,& saw complaints about them being scammers & saw this contact info & wanted to report my experience.

I just got a call  from this number 1-855-455-1213 and left a voicemail that said: My social security number is suspended.