"Attorney of America Cash Advance Debt Collection Lawsuit"

Online users who have received so-called "Attorney of Advance America" emails like the one below, which claim that they have been given a chance to settle an Advance Cash Corp(ACE) debt outside of court, should delete the email messages and not follow the instructions in them. This is because the email messages are fraudulent, and are being sent by scammers to trick the recipients into sending them money believing that they will be sued for money owed and their credit history tarnished.

Attorney of America Cash Advance Debt Collection Lawsuit

The "Attorney of Advance America" Scam

From: DEBT COLLECTOR debt.advancecashamerica@gmail.com

Sent: Monday, November 13, 2017 12:39 PM


Hereby we inform that you are obliged to come as a defendant to District Court of Appeals on this Friday,11/17/17, at 11:00 a.m. for the hearing of your case of defaulting on a LOAN, CASE #MA0092917.

Cost of the Lawsuit-$3590.00

Legal Charges-Section 19(A), Clause 21(US).

Case Format- Fair Debt Collection(FC/SC)

If necessary you have a right to obtain a lawyer for your protection. You are kindly asked to have an identity document with you. Personal appearance is compulsory. Please bring all documents and witnesses relating to this case with you to Court on your hearing date.

Case information and courthouse address will be sent to your mailing address within next three business days.

Note: If you do not attend the hearing the judge may hear the case in your absence.

To resolve this issue contact us during the working hours Monday to Friday 09:00 AM to 07:00 PM on a reply back to this E-mail to get in touch with the representative or you can feel free to call us on 421 387 4144.


Mark Smith


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Comments (Total: 15)

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May 10, 2019 at 5:39 PM by
"Attorney of America Cash Advance Debt Collection Lawsuit"

Here is another scam:

"Sent: Wednesday, May 08, 2019 at 10:00 PM

From: "Jason Ocker" <jason.ocker@

Subject: Carol Sieving; Credit Bureaus being informed

May 8, 2019

Name: Carol Sieving


Case File#NC/17-S454913


Due Amount-768.00

Cost of the Lawsuit-5825.35

Courthouse Address-Civil Court

Legal Charges-Section 19(A), Clause 21(US).

Case Format- Fair Debt Collection(FC/SC)

Dear Carol,

We have forwarded your case file to legal department so that they can

contact FDCP and IRS to put hold on your Tax return and if it was release

then it should be seized until the judgement of your case file with us. We

already updated legal department to file the Court petition in Courthouse.

Once the Court Summons will be signed by the court clerk we will update you

one copy at your postal address along with one copy at following places:

1. Nearest Police Station

2. At your Employer

3. Internal Revenue Services

4. Federal Bureau for Credit

5. Bank with which you have accounts.

From this time you are reading this, you will have 24 hours to settle this

matter with National Credit Collections and make payment; this will be your

last opportunity to avoid court proceedings and the substantial costs

associated therewith.

NOTE: If you want to resolve this case mutually then contact directly to

the same email ID. We help you to sort out this matter.

Thank You

Jason Ocker

Sr Accounts Manager

National Credit Collections

7111 Harwin Dr #282, Houston,

TX 77036"


May 1, 2019 at 9:41 AM by
"Attorney of America Cash Advance Debt Collection Lawsuit"

Here is another scam:

"From: LAWSUIT - sanacorner@aol.com

Date: May 1, 2019 at 8:16:11 AM CDT

Subject: BM/F2019-54

Cash Ad.jpg


CREDITOR: Cash Advance

CASE FILE: BM/F2019-54


As per your contractual agreement, the above-referenced loan was rendered to you via wire/deposit. The agreement defaulted after an ACHS returned insufficient funds or inactive account from your checking account. According to all records, you have not settled, paid in full or satisfied a debt with the above-named creditor. We have been hired to facilitate a negotiation between yourself and our client regarding the above-referenced debt.

Despite our previous reminder and frequent phone calls, we still have not received any payment or answer from you in respect of outstanding cash taken by you from the creditor company. Therefore, we regret to inform you that if you do not pay $734.28 in full within 24 hours we will opt to file the lawsuit in the court of laws against you to recover the debt amount.

Treat this email as a final warning as well as Legal Notice and pay the full amount to avoid any kind of Legal consequences under the prevailing laws. Under these circumstances, only alternative available to you is to pay out full amount and settle the issue out of court, otherwise, all the information regarding the suit matter shall be communicated to your present employer as well as SOCIAL SECURITY ADMINISTRATION DEPARTMENT. You will also be ceased to avail all kind of benefits, as well as facilities under the Social Securities Act and your SSNO, shall be fridge with immediate effect and you will not be able to procure further cash advance facility or any kind of loan in future and your credit score shall be adversely affected, ultimately resulting in great loss to your personal credit.

Please ensure all disputes, assertions, statements provided to the creditor, their successors, the authorities are true and just to the best of your knowledge. If you make or provide any knowingly false or frivolous statements, representation, or evidence, you may liable for penalties based on applicable statutes.

In view of aforesaid circumstances respond us immediately so as to decide us the further course of stern actions to be taken against you.



Emily Bearden"


January 24, 2019 at 2:06 PM by
"Attorney of America Cash Advance Debt Collection Lawsuit"
an anonymous user from: Annapolis, Maryland, United States

Im getting messages stating External Mail:

"To make the payment you need to make the payment through our payment processing partner iTunes card to generate the receipt of the payment as a documentation proof with the bureau a copy with you under section UG-17 (B)

Your name is already listed in the name of defaulters so you cannot make the payment over the phone with the help of your Debit/Credit card, pertaining to risk of freezing your vital information of Banking Accounts.

Kindly update us with the payment and the amount so that we can freeze down your case file. And once your account will be paid in full then we will send you a Payment Receipt stating that your account has been paid in full of zero balance.

please advise"


October 30, 2018 at 1:23 PM by
"Attorney of America Cash Advance Debt Collection Lawsuit"

They are using this email address: attorneybearden@gmail.com


August 29, 2018 at 6:16 AM by
"Attorney of America Cash Advance Debt Collection Lawsuit"
an anonymous user from: Albuquerque, New Mexico, United States

I received similar email from attorney Bearden stating I received a loan with Cash Advance Services and needed to pay $917.28 within 24 hrs. or a lawsuit would be filed against me.

I know this is a scam because I have never had a loan with this company and the email was sent in the middle of the night. No contact phone number is given.


June 7, 2018 at 11:50 AM by
"Attorney of America Cash Advance Debt Collection Lawsuit"

Here is more information regarding the ACS Incorp scam

- Forwarded message -

Date: Wed, Jun 6, 2018, 11:41 AM


To: William Davis <acscash.payday@gmail.com>

Ok. We have updated your account with ACS INCORP of $100.00 on per pay period Starting from June, 8th 2018 . Kindly make the payment on time to avoid late fees and penalty charges. Also if you have failed to submit the payment on the above date you will have to face the legal actions against you as company have already given you lot of time also We will give you the payment instruction on the date of payment.

Kindly get back to us ASAP if you have any other queries. We will be more happy to assist you further.

Thank You

Best Regards.


Advance Cash America.


May 29, 2018 at 3:17 PM by
"Attorney of America Cash Advance Debt Collection Lawsuit"

Here is another scam:

"Date: May 29, 2018, at 10:46 AM

From: Marcus Bingham <marcus.bingham@jefferson-lawgroup.com>

Date: May 29, 2018

Loan Company: Advance America

Loan Account # AAU377928

Loan Amount: $300.00

Total Outstanding: $845.67

We have been instructed by our Accounts Department to collect the overdue amount of $845.67.

To prevent legal action from being taken by external solicitors instructed to act on behalf of our Company it is essential that you settle this debt without any delay. Payment should be submitted in full within 7 days or contact made with this office immediately. Failure to contact us by 05/31/2018 may result in legal proceedings being issued against you without any further notice.

We would draw your attention that if Judgment and an order for repayment in full are obtained and remain unpaid then, the following enforcement options are available and may be considered by Company:

· Warrant of execution by bailiffs against goods owned.

· Application of attachment of earnings order with your present or future employer.

· Application for charging order on any property you may own or are purchasing a mortgage. (Where the balance outstanding is of sufficient level).

We would emphasize that should Judgment be entered against you this may affect your future credit application you may make elsewhere. We would also draw your attention that all legal costs incurred in this situation are usually payable by the debtor.

The above balance includes administration cost which has been added to offset (some of ) the costs incurred by our Company. If you contact us before 05/31/2018 we may be able to provide a one-time settlement or reduce the administrative fees payable.

Yours sincerely,

Debt Recovery Manager

Advance America."


May 8, 2018 at 10:46 AM by
"Attorney of America Cash Advance Debt Collection Lawsuit"
an anonymous user from: New York, United States

Received this:

"No more opportunity or extensions could be offered without taking you to court house.

According to your case, you are behind your bills and you are going to be legally prosecuted for disregarding our emails and payment on this account.

The Lawsuit will be filed by May 10th, 2018 and Court info will be mailed to you by USPS.

For more details, simply email us back between 09:00 AM to 06:00 PM.

You cannot blame us for not giving you enough time to collect the money in order to make the payment towards this debt and also we have evidence of all the plenty of emails we have sent you which went disregarded.

(IRS & Credit Bureaus have been notified and are working with us.)

(Arrest Warrant will be issued today and Court Summons will be sent to your mailing address along with the local cops. A team will also be visiting your workplace along with a notice to garnish your wages.)

Kindly respond ASAP.


Advance Cash America.

The notification which we sent is in regards to your unpaid loan account with "Advance Cash America"

A loan amount of $300.00 (Three Hundred Dollars only) was taken from "Advance Cash America" and so far no payment has been made on behalf of this loan account.

At the time of repayment, the Company tried to charge your bank account but the transactions were declined by your bank.

As of now, the total outstanding balance is $960.00 (Nine Hundred and Sixty Dollars Only) which includes original loan amount, interest, administrative charges, penalty, and tax.

We are willing to work with you and ready to provide onetime settlement or payment arrangement as per your convenience.

Settlement Opportunity:

The total outstanding balance is $960.00 (Nine Hundred and Sixty Dollars Only) but if you can pay a Onetime Settlement Amount of $200.00 (Two Hundred Dollars only) by Today, May 08th, 2018 then this loan account will be marked as paid in full.

In case if you are unable to come up with onetime settlement then payment arrangement can be made for the total outstanding balance.

Let us know whether you opt for onetime settlement or payment arrangement for the whole amount so that the account can be updated."


April 27, 2018 at 8:20 AM by
"Attorney of America Cash Advance Debt Collection Lawsuit"
an anonymous user from: Houston, Texas, United States

Received this:

"Greetings From Advance Cash America.

Your name is under the Lawsuit for the Due Balance with our company. Your scores with TransUnion & Equifax didn't allow us to file the suit without your consent or getting your final intentions.

A little effort might get your case resolved with us so do respond ASAP mentioning your Final Intentions towards this Serious Matter.

The Lawsuit will be filed by April 27th, 2018 and Court info will be mailed to you by USPS.

We have no doubt in your Cooperation and considering this delinquency a mistake.

Kindly respond ASAP.


Hudson Law Firm."


December 12, 2017 at 7:59 PM by
"Attorney of America Cash Advance Debt Collection Lawsuit"

Received via email:

- start of scam -

From: Karen Macy <acelegalfirm.karenmacy@gmail.com>

Date: Friday, December 8, 2017

Subject: Re: BILL

We are having every evidences against you to file the Lawsuit and we are not going to wait for the next year as we already have waited for more than 9 months for this matter to be settled.

We are giving you this one last opportunity with the Settlement of $250.00 to mark this case as paid in full and it has to be paid by Today.

Kindly suggest whether you are opting the Settlement Offer or disputing this matter into the court house to fight the case against the company.

Waiting to hear from you.

Best Wishes.

Advance America.

On Thursday, December 7, 2017 Karen Macy <acelegalfirm.karenmacy@gmail.com> wrote:

Advance America Account: #21465820

Date of Loan: September 2015.

We are talking about the a Loan amount of $300.00 which you have taken out from the company Advance America (Parental Payday Loan Company)however the amount wasn’t paid since a long time so the company has decided to write this debt off as a bad debt.

It was mentioned in the Contract that it will be the Debtors sole responsibility to repay the loan with a short period or else the company will be compelled to seek legal actions if necessary.

The total outstanding balance on your name is $660.00 (Including Late Fee & Penalties) however we do have a Tempting Settlement Offer today through which you can easily settle this case outside of the court house.

Simply let us know about your final intentions whether you want to settle this case or not so we can work according to it.

If we don’t receive any response from your side within the next 24 Hours, we will be compelled to seek Legal Actions against you and will file a Case against your name Under Section 09 Chapter 19.

(Court Actions includes contacting to your employer and reporting this activity to your Credit Report).

Best Wishes.


Accounts Department.

Advance America.

On Thursday, December 7, 2017 Karen Macy <acelegalfirm.karenmacy@gmail.com> wrote:

Greetings From Advance America.

Your name is under the Lawsuit for the Due Balance with our company. Your scores with TransUnion & Equifax didn't allow us to file the suit without your consent or knowing your final intentions.

A little effort might get your case resolved with us so do respond ASAP mentioning your Final Intentions towards this Legal Matter.

The Lawsuit will be filed by December 12th 2017 and Court information will be mailed to you by USPS.

For more details, Simply connect with us at 1 (321) 352-3008 EST. from 09:00 AM to 06:00 PM or revert this email.

We have no doubt in your Cooperation and considering this delinquency a mistake.


Cash Express USA.


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"Attorney of America Cash Advance Debt Collection Lawsuit"