ACS goes by various names including NCS, CCS, Loan Point, Bernstein and Associates, Brown and Associates, etc. They are 100% scam artists. Do not give them any information or any money at all, no matter what they tell you. They may go by another name other than those listed.
If they mention: bad check, defrauding a financial institution, payday loan, threaten to come to your home/employer, advise you that you will be served a summons or tell you that you will be arrested - these are all of their tactics.
File a complaint with the FBI, FTC and Attorney General (for what state you live in). These scumbags will call from different numbers that are not traceable (877 numbers usually). Somehow they are able to tap into valid numbers in your local area and use those lines to place the call. They will use generic names such as Johnson, Thompson, Smith, Parker, etc.
Ask them for their information (address, website, fax number etc.). They will refuse to send you any information proving your debt (other than a fake email). Please don't give them any info and file the reports mentioned above. They need to be stopped!
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