I too have received harrassing calls from ACS stating that I owe a payday loan, which is false. They repeatly contact my place of employment making threats like I am going to jail and they are going to sue my employer. I know that this is a SCAM and some people will actually fall for this scam. These people have heavy indian accent and are very persistent on making their threats. These people need to be STOPPED. They are jerks and the scare tactics don't work with me.