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Lucy, Esq.
Lucy, Esq., Attorney
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I received an E-mail from ACS Incorp saying I owe $745.65.

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I received an E-mail from ACS Incorp saying I owe $745.65. It stated I will be legally prosecuted in the court house within the next couple of days and my SSN number will be put on hold by the US Federal Gov't if I do not resolve the debt.with Payday Services. United Legal Investigation Bureau has 4 serious allegations: 1.Violation of Federal Banking Regulations. 2.Collateral Check Fraud 3.Theft by deception.4.Electronic Fund Transfer Fraud. I will have to pay $4271.15 court costs if I do not send them $745.65 asap using Green Dot Money Pak Reload Card..ONLY. United States District Atty.
Is this a scam ?

My name is XXXXX XXXXX I'd be happy to answer your questions today. I'm sorry to hear about your situation.

Absolutely, yes, 100%, this is a scam. Do not contact them and above all, do not give the information on that Money Pak card.

First of all, ACS' official name isn't ACS, Incorp. Communications would more likely be from ACS Education or would have the full name, Affiliated Computer Services, Inc. Second, it's a student loan company - they don't do Payday loans, so there would be no reason for a company called Payday Services to be involved. Third, the federal government cannot put a person's SSN on hold. I don't even know what that means. If you DID owe a debt, the company could sue you and get a judgment, but that wouldn't cancel your social security number. It just means that you'd have to pay the judgment.

Fourth, non-payment of a debt isn't a violation of federal banking regulations or theft. Fifth, it's a violation of the FDCPA to tell someone they will go to jail for non-payment of a debt or tell them that it's a crime. The U.S. does not have debtor's prison. And, finally, if you really did owe money, they couldn't make you pay attorney's fees unless you had a contract that said so. Court costs wouldn't be more than $4,000.

If you're remotely concerned that you do owe someone money for an unpaid debt, you can pull a free copy of your credit report annually from or every couple of weeks from But that is a scam email. You should forward it to the real ACS so they are aware that someone is using their name. They don't publish an email address, but you can call their collections department at 1-800-784-5309 and ask if there is someone to report it to.

If you have any questions or concerns about what I've written, please reply so that I may address them. It's important to me that you are 100% satisfied with the service I provide. Otherwise, please rate my service positively so that I get credit for answering your question. Thank you.
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