How do I know if a collection agency is legit?
Track the source of the debt by reaching out to your creditor to see if it has any information about the debt in question. If the company that contacted you matches what your creditor has on file, then you’ll know it’s a legit debt collector. Always ask for a validation letter or confirmation about the debt.
Is ACS a collection agency?
ACS Collections is a debt collection agency. They’re probably on your credit report as a ‘collections’ account. This usually happens when you forget to pay a bill. If a collection is on your credit report, it’s damaging your credit score (unless removed).
Can debt collectors send emails?
A third-party debt collector is permitted to send you electronic messages including texts and emails. Each of these messages must include instructions for a consumer to opt out of receiving those types of messages. Messages must be sent at a reasonable time similar to the 8 a.m. to 9 p.m. limitation for phone calls.
What if a collection agency never contacted me?
If you find a collection account that you don’t recognize listed, you can dispute it with the credit bureau(s) reporting it, preferably in writing. If the credit reporting agency cannot confirm it with the source (the company reporting it), within 30 days, in most cases, it must be removed.
How do I respond to a debt collector email?
I am responding to your contact about a debt you are attempting to collect. You contacted me by [phone/mail], on [date]. You identified the debt as [any information they gave you about the debt]. Please stop all communication with me and with this address about this debt.
Is it illegal for a debt collector to leave a voicemail?
Under the Fair Debt Collection Practices Act, debt collectors are required to identify themselves in any communication with a debtor. The bottom line is, under the FDCPA, debt collectors should not leave answering machine or voicemail messages.
Can a cash advance company sue you?
Short answer is yes, a payday loan company can sue you in court if you default on your debt. In order for them to take you to court, you must be delinquent on your payments and in violation of your loan agreement. Note: payday lenders can only take you to civil court – not criminal court.
How to contact ACS incorporation, American cash services?
An email from ACS (US) will be addressed from [[email protected]] or [[email protected]]. Consumers can also call us at 714-861-2200 or send an email to [email protected] for confirmation. Also, the following logos will identify an email as legitimate.”
How to contact ACS ( US ), inc.by email?
If a consumer sees the name “ACS (US)”, “ACS (US), Inc.”, or “Applied Computer Solutions”, they will be able to identify the communication as legitimate. An email from ACS (US) will be addressed from [[email protected]] or [[email protected]].
Who is the parent company of ACS US?
ACS (US), Inc. has provided the following statement to consumers regarding their business activities: “ACS US, Inc. is a subsidiary of Pivot Technology Solutions, or “Applied Computer Solutions.” These businesses are resellers of technology products and solutions which do not sell to consumers.