Called me 10 times in the last 2 days. They say they are from ACS Consolidation Service, they are not. ACS is for student loans. They probably told me this because they ran my SS# and information and thought I would believe that they were legitimate. When you ask them a question they just keep reading a script. They do not speak english very well. I asked for a phone number, their address, and their names. They gave me some very generic english names like Danny Johnson and Phillip Brown even... read full review »