ACS has not been unfriendly to me. The contrary has been my issue. I recently experienced a con job. A friendly worker promised that she had just negotiated a truly income-sensitive payment plan for me and told me to go ahead and send in payments. I got intimidating letters from the lender! When I called back to clear things up, there was NO record of the supposed agreement, NO record of ALL the faxes I'd exchanged back and forth with this girl. I had been lied to, and nobody is accountable. I thought I was insane. Later I heard... read full review »