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Help!! Ace Cash Express threating lawsuit

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Posts: 2
Credits: 630.5

I'm very shaken here and don't know what to do. I have let an Ace Cash Express loan default and now they are threating me with a lawsuit and won't let me make any sort of payment plan with me. They said unless I pay them $1,200 by Friday they will contact my work, hr department and supervisor and file a suit for me writing them a bad check.

I will take any and all advice. I don't know what to do!


I forgot to give my state. I am in Illinois.

Thanks for any and all help and advice!

Sub: #1 posted on Thu, 09/11/2008 - 06:12

jenswt14u jenswt14u

(Posts: 2 | Credits: 6.31)

Don't be shaken- I am in Illinois and I am trying to clear up 5 loans. You are going to get some great advice here. I know how you feel, but they want you to be shaken up, they want you to agree to some crazy terms that are crazy. Hang in there and you are going to get some great advice off of here.

Sub: #2 posted on Thu, 09/11/2008 - 07:36

kcooks3973 kcooks3973

(Posts: 91 | Credits: 24.14)

Is Ace Cash Express an internet loan or a storefront?

Sub: #3 posted on Fri, 09/12/2008 - 10:32

m.lm1947 m.lm1947

(Posts: 154 | Credits: 14.26)

Well, there is a plus side.

They cannot seek criminal charges against you, so if they are infact not's a civil suit simply asking for judgement.

As far as I know, they are not allowed to speak to your employer reguarding your debt unless they are planning to take the amount owed from your wages.

If they were planning to do that, it would make no sense to threaten you with a suit.

Sub: #4 posted on Fri, 09/12/2008 - 12:20


Ok I just had the same thing happen to me today as well. The person I talked to wouldn't even let me speak hardly and they said almost the exact same thing as the above statement. Threats and how I'm being investigated for fraud etc... It got me really shaken up and the guy just started going off on my and pretty much hung up on me. Then when I called back he promptly told me that I was not to call back and they were going ahead with the case and instead of garnishment they had something better in mind for me.. and hung up. I'm freaking out here and would appreciate any and all help/advice. I'm located in KS.

Sub: #5 posted on Thu, 12/04/2008 - 06:17


Legal licensed lenders can and will take action against you, but keep in mind it is civil not criminal. Guest is this loan store front or internet. If it is a store front loan, try contacting the corporate office of your lender and work out a payment plan with them. Sometimes the corporate level is easier to work with. If this is an internet loan how much did you borrow and how much have you paid back including all fees.

Sub: #6 posted on Thu, 12/04/2008 - 23:39

kfstaff24 kfstaff24

(Posts: 1449 | Credits: 88.93)

this board will be able to help you, please do not panic. as kfstaff24 said, if it is legal, they can take CIVIL action against you, but i really do not think they will involved your employer unless it was a wage issue. either way, hold your head up high, we can first figure out if this company is even legal and even if they are, we can still help :)

Sub: #7 posted on Fri, 12/05/2008 - 01:01

bea2ls bea2ls
(Posts: 3840 | Credits: 370.56)

well ACE is not legal in illinois people.and whoever is calling is bottomfeeder.the fact that they mentioned fraud was the red flag for me.there is no storefront pdl by this name in illinois.file AG and BBB complaints against this pdl.

Sub: #8 posted on Fri, 12/05/2008 - 03:10

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

I would file with the governing office in illinois first. Threatening criminal action is illegal in nearly every state.

If they continue to call you employer after you requested that they do not call, then you can file harassment charges per the fair debt collection practices act.

Another inside tip. If you just pick up your phone and speak with them, even if you tell them you cannot pay. that is the only time they can contact you per 24 hour period. They cant call references, employers after they have spoken with you. If they persist, log a complaint.

Sub: #9 posted on Sat, 12/06/2008 - 00:05


Well I'm back to let you guys know that I've taken care of the problem. I had to borrow the money from my parents to pay them off. I got that call and freaked out and there was no call to my job, I would know I answer the phones. I got a call from Mr. Thomas the next day asking if I had come to an agreement with my previous phone call. I explained that no I did not and how I was yelled at and threatned and hung up on repeatedly. He didn't really seem bothered by it and said, "Well all that matters is that today is a different day." Then he went into a speech of how I needed to pay if off but then he would allow me to RELOAN again. Ok so these companies are insane, they use scare tactics and force you to pay them off but ultimately just want you to reloan with them. I told him that I would be paying it off and never re-loaning again. He kept pushing me to go ahead and re-loan... We worked out an arrangement and I was set up to call him the following day.

I called him the next day explaining that I couldn't get the money together and could only make a small payment of $100 if he would take that. He promptly told me that the entire amount of $412.50 needed to be paid by 3:00pm or else they would go ahead and file whatever they had against me. In the end like I said I borrowed the money from my parents to pay them off.

Needless to say, I would NEVER suggest that anyone borrow from Ace Cash Express

Sub: #10 posted on Sun, 12/14/2008 - 05:45


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