888-237-1065

Received a call from this idiot on 03/29/11- Google transcribed for me the following:

My name is Melanie, Stuart on the state process server. I was calling to advise you that I have a summons for you to appear in court that was released for you and your names. This morning I was calling to give you some information but unfortunately I'm not able to reach you by phone. Therefore, I will be serving a summons either to your employment or your home for you or not there to appear. If you have any questions or concerns, or would like to try to rectify this issue prior to me coming. If you would need to contact the point at that number is (888) 237-1065 Case Number 3xxxx5 Ms. ?????, will you officially been notified. It would be in your best interest at that number call these find out what's going on. If not, that's fully up to you. I was just. Best of luck.

Sounds like creditor harrassment!

Ridiculous .... Process servers don't politely call ahead, they just show up one day. The ACS acronym is likely for Affidavit Consolidation Services, a name commonly used in connection with fake payday loan thugs. This topic is heavily discussed on 800Notes and other consumer forums.

Their threats are empty and their rude tactics are illegal under federal law, the FDCPA. Do not argue with them, do not comply with their extortionist demands. Show them you know you have rights they are trampling.

Try demanding a mailing address or a full business name. If the caller fudges his answer or you cannot verify it, it's likely a PDL sham. Challenge their horse puckey threats; they often make rude remarks and hang up. As the bullies like to hassle people at workplaces, advise your employers and coworkers these calls are garbage.

The usual response to such a runaway debt collector stateside is to send a cease-comm letter and file suit. If you find a valid US address, please do so. Fierce consumer lawyers will leap at the chance to run such a case on contingency. However, being mostly outside U.S. borders and having no discernable addresses, these particular criminals rarely make it possible for individuals to punish them. Submit complaints to the FTC and attorneys general. The FBI is also taking comments on these hostile thugs. Pester anyone with proper authority until this fraud is investigated and smashed.

Follow this link for a payday loan scam primer ...
http://www.debtorboards.com/index.php/topic,6954.html?#msg104309

Send word to the FBI via the Internet Crime Complaint Center: http://www.ic3.gov/default.aspx

Learn how to exercise your rights as an alleged debtor at FTC-dot gov. The more you know of illegal practices, the faster you will sniff out the fraudsters.