Received an email with this phone number.. Claiming they are a debt collector. ACE CASH CORP.. ACE CASH SERVICES.. Say I owe $856.45 if I don't pay I will be taken to court.
My husband has been recieving the same email saying he owes the exact same amount. Kinda hinky. We dont know what to do about it because we cant afford to be sued or pay $856.45 all at once.
Emails, phone calls, faxes & texts mean NOTHING!! Official notification would be a written document that is MAILED to you giving all sorts of information - including this company's name & address as well as information on the original debt. Isn't it amazing that everyone owes $856.45?? Don't waste your time or worry about this.
The most important thing you can do is know your rights.
http://www.consumer.ftc.gov/articles/0149-debt-collection
This link takes you to the FTC's website and gives you all the rules debt collectors must follow. It also (at the bottom) provides links to where you can report any debt collector who isn't following the law.
If you walk away from that link with nothing else, please remember this;
REAL debt collectors will send you (because they are required to, by law) a 'DEBT VALIDATION'. This is sent through the mail (USPS) with a stamp on it (e-mail, fax, texts, carrier pigeon, smoke signals...none of those count) and tell you when you incurred the debt, to whom you owe the original debt, and how to proceed if you don't think you owe the amount, or if your records reflect a different amount. Remember, this is REQUIRED BY LAW to be sent to you within 5 days from initial contact (on the company behalf) DEMAND THEY SEND YOU THIS!!! This will immediately weed out the scammers.