Bankruptcy Law, Credit, Debt Relief, Timothy Kingcade Posts

Florida Email Scam Tricks Consumers Using Their Social Security Numbers

A company operating under names such as ACS Debt Collection USA, Cash NET USA and other variations has been using an email scheme to trick consumers into believing they owe a debt for a payday loan. The fictitious collection agency has been contacting consumers in the Central Florida area using their social security numbers and driver’s license numbers to convince them the debts are real.

Although the company is using a Clearwater address, the Better Business Bureau (BBB) has been unsuccessful in locating the company or the money. The BBB also issued the company an “F-Rating” after receiving nearly 1,600 consumer complaints. The BBB went on to say that when consumers reached out to the company, they were subjected to “abusive language and intimidation tactics,” which are violations of the Fair Debt Collection Practices Act.

In the scam emails, the company lists the social security numbers, driver’s license numbers and threatens legal action due to past due “payday loans.” The emails state the “borrower” will face three counts of criminal allegations including:

  1. Violation of federal banking regulation
  2. Collateral check fraud
  3. Theft by deception


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If you are in financial crisis and considering filing for bankruptcy, contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at