ACA Recovery located in New Jersey is a fraud, they have collectors calling you leaving messages pretending to be employeed by a law firm which is not true. If you are employed by a law firm why would I have to Western Union anything to ACA Recovery instead of the law offices name and they they refuse to give you a physical mailing address. They claimed they mailed something to my home address which I never received and the after I finally call Ms. Banks after her 4 phone calls she says the lawyer is going to close out the file and send it for litigation. No payment arrangements or anything, I am not running away from the debt that I made only 2-3 months ago but can be very annoying and misleading calling you at work 2-3 times a day even after you ask them not to. They are a fraud, for anyone who unfortunately gets a phone call from this company call the originator creditor and try to work something out with them
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