I got a nastygram from American Credit Collections, LLC. out of Scranton, Pennsylvania in the beginning on June, 2007. I immediately called their telephone number and received a series of harassing telephone calls. This company does not appear to be a licensed debt collector in my state, a class I felony. Additionally, their collection letter threatened post-judgment remedies, “aggressive legal action” and stated they were verifying my employment and attempting to locate assets that could satisfy the debt. Please note, this debt, if at all legitimate, is way beyond the statute of limitations. Of course, ACC has somehow managed to re-age or otherwise misrepresent the date of chargeoff. According to my records, the account was opened March 24, 1998, last payment May 10, 1999 and charged off on December 20, 1999 for $658. What follows is fantastic example of the illegal tactics that “fly by night” debt collection companies use. Be warned. Update: If you’ve paid these people by credit card or check, I’d love to find out the name on the account they routed the money through. Please shoot me a PM!