"ACS Legal Department Debt Collection Lawsuit"

Online users who have received so-called "ACS Legal Department" emails like the one below, which claim that they have been given a chance to settle an ACS Legal Department 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.

ACS Legal Department Debt Collection Lawsuit

The "ACS Legal Department Debt Collection" Scam

From: "acs INCORPORATION" - acs.debt.payday.usa@gmail.com

Date: Feb 14, 2018 6:16 AM

Subject: Final Notification_Lawsuit Case File# PL01001084


Dear Customer,

To date, we have received no correspondence pertaining to your $550.00 debt to ACS. This, following numerous attempts to collect, will be your final notification prior to our referring your debt to an outside legal firm.

Your balance is currently months past due. We intend to close this matter within more than next three to seven business days. Your full payment or the negotiated payment once in touch with the department shall be received to avoid the legal charges under the FDCP Act on this case file for the payment due.

If you fail to respond to this notice you will be contacted by the legal department with the CREDIT BUREAU and can no longer be assisted by our company in preventing this potential credit affecting legal charges to take place.

If you wish to resolve this matter before court dated February 16th, 2018, Make payment arrangement and pay the amount to close your case file.

Dispute this matter represent yourself at the courthouse on February 16th, 2018 with legal charges and Lawsuit amount of $2865.36.

At this time the choice is yours and I sincerely hope you choose to resolve this matter before legal action is commenced.

Do revert back ASAP to update the case file so that we can restrain legal charges on the case file.

Thank you

Chris Harris

Investigation Officer



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Comments (Total: 123)

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July 31, 2023 at 2:36 PM by
"ACS Legal Department Debt Collection Lawsuit"
an anonymous user from: Reynolds, Georgia, United States

I just received one of these emails today. What is wrong with people that try to scam others?


July 18, 2023 at 3:13 PM by
"ACS Legal Department Debt Collection Lawsuit"
an anonymous user from: Redmond, Washington, United States

Just received this email threatening that they are turning it to the Attorney Generals office when asked for a phone number they just say that it is the email department. 7-18-23


March 8, 2023 at 8:51 PM by
"ACS Legal Department Debt Collection Lawsuit"
an anonymous user from: Nashville, Tennessee, United States


YOU ARE REQUIRED TO PAY for Small Claims to the Collection Agency.

Please reach out to us immediately if you would like to set up a repayment plan.that we can resolve this case file outside the court otherwise we would have no options rather than filing a lawsuit against you. Kindly don’t take this notice lightly otherwise once the Case File is downloaded thereafter we won’t be able to help you out.

Thanks & Regards

James Warner

Debt Settlement Divisio


June 9, 2022 at 7:31 PM by
"ACS Legal Department Debt Collection Lawsuit"
an anonymous user from: Middletown, New Jersey, United States

I got one on June 6th. I knew it was a scam


May 28, 2022 at 6:12 PM by
"ACS Legal Department Debt Collection Lawsuit"
an anonymous user from: Los Angeles, California, United States

I just got emailed that today May 28 2021


March 4, 2022 at 5:24 PM by
"ACS Legal Department Debt Collection Lawsuit"
an anonymous user from: Downtown Redmond, Redmond, Washington, United States

Does Shawn cooper work for acs incorporations an attorney


February 10, 2022 at 3:31 PM by
"ACS Legal Department Debt Collection Lawsuit"
an anonymous user from: Lewisville, Texas, United States

Mark Brown <acs.bebtcollections@gmail.com>

3:16 PM (6 minutes ago)

to me

Amount Due: $1585.68

CASE NO: - KH-005897KR9

Dear Debtor,

Our company (ACS Inc) has authorized us to recover the full amount due to them. As we put your Social Security Number into our National Checking Database System we found that you have never been charged for fraud activity & that’s the reason Court House has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and Social Security Number.

We regret that if we do not receive your response within the next 48 hours, we shall have no alternative but to take action through your local County Court to recover the amount due together with court costs and legal fees which is approximately $16710.68.





If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid:-

• Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer

• Attachment of Earnings base (Earnings Arrestment). Deduction from your wages by your employer or arrestment of part of your salary to satisfy the debt

The Factual Basis for the complaints is as follows:-

You agreed to return the funds from the aforementioned income advancement as per contract.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract

Dear Customer, as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. Also we would like to know your intentions?

If you have recently settled this account, please contact us immediately to avoid further action. Otherwise, payment options are set out overleaf or alternatively E-mail us now to pay or agree a repayment plan with us.


As Email's are recorded in our database to serve as a conversation proof. You can clear this matter & your doubts via Email or over Phone Call.

Yours sincerely

Collections & Legal Department

ACS LEGAL | Privacy | Payment |Terms of use


Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.

I'm not interested.What is this about?I accept the terms.


September 15, 2023 at 10:33 AM by
"ACS Legal Department Debt Collection Lawsuit"
an anonymous user from: Wright City, Missouri, United States

I just got this today


February 10, 2022 at 3:20 PM by
"ACS Legal Department Debt Collection Lawsuit"
an anonymous user from: Lewisville, Texas, United States

I just got hit with this one too 2/10/2022


January 18, 2022 at 3:23 PM by
"ACS Legal Department Debt Collection Lawsuit"
an anonymous user from: Canoga Park, California, United States

Today Jan 18 I just got hit with this one too.


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Do not open email from people you don’t know

If you are unsure whether an email you received is legitimate, try contacting the sender directly via other means. Do not click on any links in an email unless you are sure it is safe.

Think before you click

If an email or text message looks suspicious, don’t open any attachments or click on the links.

Verify urgent requests or unsolicited emails, messages or phone calls before you respond

If you receive a message or a phone call asking for immediate action and don't know the sender, it could be a phishing message.

Be careful with links and new website addresses

Malicious website addresses may appear almost identical to legitimate sites. Scammers often use a slight variation in spelling or logo to lure you. Malicious links can also come from friends whose email has unknowingly been compromised, so be careful.

Secure your personal information

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Stay informed on the latest cyber threats

Keep yourself up to date on current scams by visiting this website daily.

Use Strong Passwords

Strong passwords are critical to online security.

Keep your software up to date and maintain preventative software programs

Keep all of your software applications up to date on your computers and mobile devices. Install software that provides antivirus, firewall, and email filter services.

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Make sure your operating systems (OSs) and applications are up to date on all of your electronic devices. Older and unpatched versions of OSs and software are the target of many hacks. Read the CISA security tip on Understanding Patches and Software Updates for more information.

What if You Got Scammed?

Stop Contact With The Scammer

Hang up the phone. Do not reply to emails, messages, or letters that the scammer sends. Do not make any more payments to the scammer. Beware of additional scammers who may contact you claiming they can help you get your lost money back.

Secure Your Finances

  • Report potentially compromised bank account, credit or debit card information to your financial institution(s) immediately. They may be able to cancel or reverse fraudulent transactions.
  • Notify the three major credit bureaus. They can add a fraud alert to warn potential credit grantors that you may be a victim of identity theft. You may also want to consider placing a free security freeze on your credit report. Doing so prevents lenders and others from accessing your credit report entirely, which will prevent them from extending credit:

Check Your Computer

If your computer was accessed or otherwise affected by a scam, check to make sure that your anti-virus is up-to-date and running and that your system is free of malware and keylogging software. You may also need to seek the help of a computer repair company. Consider utilizing the Better Business Bureau’s website to find a reputable company.

Change Your Account Passwords

Update your bank, credit card, social media, and email account passwords to try to limit further unauthorized access. Make sure to choose strong passwords when changing account passwords.

Report The Scam

Reporting helps protect others. While agencies can’t always track down perpetrators of crimes against scammers, they can utilize the information gathered to record patterns of abuse which may lead to action being taken against a company or industry.

Report your issue to the following agencies based on the nature of the scam:

  • Local Law Enforcement: Consumers are encouraged to report scams to their local police department or sheriff’s office, especially if you lost money or property or had your identity compromised.
  • Federal Trade Commission: Contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP (1-877-382-4357) or use the Online Complaint Assistant to report various types of fraud, including counterfeit checks, lottery or sweepstakes scams, and more.
  • Identitytheft.gov: If someone is using your personal information, like your Social Security, credit card, or bank account number, to open new accounts, make purchases, or get a tax refund, report it at www.identitytheft.gov. This federal government site will also help you create your Identity Theft Report and a personal recovery plan based on your situation. Questions can be directed to 877-ID THEFT.

How To Recognize a Phishing Scam

Scammers use email or text messages to try to steal your passwords, account numbers, or Social Security numbers. If they get that information, they could get access to your email, bank, or other accounts. Or they could sell your information to other scammers. Scammers launch thousands of phishing attacks like these every day — and they’re often successful.

Scammers often update their tactics to keep up with the latest news or trends, but here are some common tactics used in phishing emails or text messages:

Phishing emails and text messages often tell a story to trick you into clicking on a link or opening an attachment. You might get an unexpected email or text message that looks like it’s from a company you know or trust, like a bank or a credit card or utility company. Or maybe it’s from an online payment website or app. The message could be from a scammer, who might

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  • want you to click on a link to make a payment — but the link has malware
  • say you’re eligible to register for a government refund — it’s a scam
  • offer a coupon for free stuff — it’s not real

About Online Threat Alerts (OTA)

Online Threat Alerts or OTA is an anti-cybercrime community that started in 2012. OTA alerts the public to cyber crimes and other web threats.

By alerting the public, we have prevented a lot of online users from getting scammed or becoming victims of cybercrimes.

With the ever-increasing number of people going online, it important to have a community like OTA that continuously alerts or protects those same people from cyber-criminals, scammers and hackers, who are every day finding new ways of carrying out their malicious activities.

Online users can help by reporting suspicious or malicious messages or websites to OTA. And, if they want to determine if a message or website is a threat or scam, they can use OTA's search engine to search for the website or parts of the message for information.

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"ACS Legal Department Debt Collection Lawsuit"