877-285-3841

Trademark, and at least a dozen other names.
Debt collector, scam, very treating and forceful in their methods.

completely illegal tactics.

I and my family have been receiving calls from this number claiming that someone is wanting to serve me with court papers and the only way to stop this action is to pay NOW.  I know that I owe monies to Ace Cash, but it is very unsettling to me that they wanted card information over the phone to hold until monday when there will be funds available. I was, and am still concerned of it being a scam and that there is a possibility they will take more than they are supposed to on Monday. I have already agreed to the payment on Monday and have given them my card number and well as the 3 digit code on the reverse of my card. I am okay with it if it is indeed a service for Ace Cash, but I am very unhappy and stressed out over the "process" and "hard ball techniques" that were used.

No legit company uses any unusual tactics.

You made a stupid move by trusting Frauds. You should cancel your card asap.

Even if you do owe money to one company, it doesn't mean that the ones who called you have a legal right to collect the debt.  I would inform your bank and cancel that card.  Then demand a debt validation letter from the company who called you, and also ask them to show proof that they are the proper owners of the debt.  If they refuse, then they are a scam.

I myself received a call from this number telling me that I needed to settle a debt of $425 with USA PAYDAY LOANS which I know I do but they asked for my credit card number ..exp date and securty code to process the payment arrangement which I DID NOT GIVE.  The calls name was Amanda and she would hold off on thr serving of papers to me if I call her back on Monday.....also a process server wanted to know when I was available to serve me with papers.....they also wanted to confirm the last 4 digits of my Ss number to verify that it was me...then they stated they have charges pending against me.....now thet are a collection agency why would they know this info?  They made this seem very legit but very stressfull for me.....I think this is just a sc a scare to collect money......do I believe this and give them the info or not?   THANK HOI

Read this first and decide for yourself what you should do:

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.

Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.>

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm

Okay but I know that I do owe the debt but it is legal for them to ask me for my credit card info like that?  And will a process server call and set up a place to srve me with papers???

No. They want access to your banking information so they can drain it, leaving you with no recourse.

Read your consumer protection rights under the FDCPA before doing business with a debt collector:

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm

If you do not feel comfortable dealing with a debt collector on your own, consider hiring a consumer law attorney.

So should I just ignore this?  They had info on me from thre place of business that hired them to collect payment...will they serve me with court papers? Also they had the last 4 digits of my SS number and claims that I have several charges pending.....just worried now!!

Don't send them any money. If you have a real debt and if they are real, they'll send you a letter of validation. No letter of validation, screw them. Block them and report them.

Also I know that I owe the debt but they are very adament in wanting a down payment and then setting up payment arrangements for the outstanding remaining amount..they also had my correct name and wanted to confirm my address ss number place of employment.
Nothing is on the court access page showing these charges but yet they have papers to serve to me and they didif sound legit....answers please

Even if you owe a debt, never ever give your money or your credit/debit card number to the wrong frauds. Why would you send money without validating the debt in the first place? If the debt is real, they are obligated to send you a letter of verification.

Read this part

http://credit.about.com/od/debtcollection/qt/debtvalidation.htm

So do you think this is real?  What about the serving of the court papers??

This is confusing...
I do know that I owe the debt but have not received a letter from TRADEMARK MANAGEMENT stating this debt but last year from the creditor.  I want to know if I should worry or not cuz this is stressing me out and don't know what to make of this....

In recent years, third party debt collectors have been buying up old debt for pennies on the dollar and telemarketing collection calls to debtors to get what they can from their "investment". This old debt is sometimes legit, sometimes not (expired statute of limitations for example). In parallel, scammers have also been making extortion calls using bought/stolen/phished loan data, sometimes to debtors who may or may not have already paid off their debt, sometimes to random people, while pretending to be legit debt collectors. Problem is, both employ similar tactics to scare debtors/victims into paying legit/fake debts. If you don't have debt, you know for sure your caller is a scammer. If you have debt, you have to figure out whether it is a legit third party collector or a scammer -- not a comfortable position to be in but here's how you can perhaps tell the difference:

The FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf treats the INITIAL CONTACT between collector and debtor (first call, first letter, first whatever) as a special event. Legit collectors per section 809 of the FDCPA *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for them, the FDCPA requires collectors to provide them), treat the collector like you would any SCAMMER.
Note that 3,4,5 must be done *IN WRITING* so you will need to ask an address from your collector. If s/he refuses to give you one for any reason, treat the collector like a SCAMMER.
The collector can threaten court action at initial contact but the FDCPA requires that the collector actually take you to court if the collector threatens it. Threatening court and not going through with it (coercion) is illegal.
If they say the FDCPA does not apply to them because they own your debt, the debt-owner exemption only applies to the original owner. A 3rd party who buys the debt for the purpose of collecting debt is treated as a debt collector and not an owner and must obey the FDCPA as explained in this FTC Staff Opinion letter here http://www.ftc.gov/os/statutes/fdcpa/letters/arbuckle.htm 
You can tape phone calls per your state law described here http://www.fairdebtforconsumers.com/Recording-Laws-Summaries.html 
You can tape, then sue collectors (google "fdcpa attorney") for violations described in sections 805, 806, and 807, per section 813 of the FDCPA.
Has the statute of limitations for your state http://www.fair-debt-collection.com/SOL-by-State.html expired on your debt? If expired, don't pay.
Collectors generally have to be licensed by your state to practise (collect debt) in your state and you can find out by calling your state Attorney Generals Office. Ask if a license is required and does this collector have one. If not licensed, don't pay and file a complaint with your state AG.
Read useful debt-collection FAQs from the FTC here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm 
The debt collection process explained in plain English http://www.consumeraffairs.com/debt/fdcpa.html 
Be aware that scammers are using bought/hacked/phished loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710 
The FBI warns again http://www.fbi.gov/news/pressrel/press-releas ... nt-payday-loans 
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG http://www.naag.org/current-attorneys-general.php as appropriate.

Both abusive debt collectors and scammers *LIE* about serving court papers complete with a FAKE process server who calls you to arrange service. REAL process servers do NOT call targets before they serve papers because targets can run away! REAL process servers just show at your door unexpectedly.

We cannot tell you whether this collection attempt is real or not. YOU have to figure this out yourself. Go read my long reply to your previous post above that explains how the debt collection process is supposed to work. Legit debt collectors will (sort of) play by the FDCPA rules, scammers and abusive collectors will NOT. I suggest if you don't get written validation, treat them like SCAMMERS.

I suggest you call your original creditor and ask them if they have sold your debt. Many banks sell delinquent accounts after 6 months to get them off their books. Up to 6 months, debt is booked as an asset. After 6 months, the law requires banks to book the debt as a loss and this is what trips the banks into selling the debt.

Should I be concerned about this or not?  Will I receive court papers?