BBB Warns Consumers About ACS Legal Group

June 05, 2013

Better Business Bureau of New Hampshire is urging consumers to use caution if you receive a collection call from ACS Legal Group, also known as Advance Cash Expert and Legal Group of Attorneys. BBB has received over 2,200 inquiries about ACS Legal Group and has processed 46 consumer complaints. The company has not responded. 

Consumers allege they receive phone calls and emails from ACS Legal Group stating they owe an outstanding balance on a loan that does not exist. Consumers are told that the loan must be paid or the IC3 (Internet Crime Complaint Center) will mark their case as a “flat refusal” and press charges against the consumer.

If contacted by any debt collector, BBB urges consumers to refer to the Federal Trade Commission’s Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect.

BBB offers the following tips to avoid being taken by a debt collection scam:
  • Ask the debt collector to provide official documentation which substantiates the debt.
  • Do not provide or confirm any bank account, credit card or other personal information over the phone until you have confirmed the legitimacy of the call.
  • File a complaint with the Federal Trade Commission if the caller is abusive, uses threats or otherwise violates federal telemarketing laws.
  • Confirm any debt a debt collector claims you owe money. Be sure there is an outstanding balance and try to pay the business you owe directly before dealing with a debt collection agency.
  • Start With Trust. Check out businesses in the U.S. and Canada at

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MEDIA CONTACTS: For more information, please contact Robert Shomphe at 603-224-3696 or