ACS Debt Collection Services: How to Sort Them Out

Have you recently been contacted by ACS Debt Collection Services? The reason they’re contacting you is because you owe money.

You can expect regular phone calls as they want you to start repaying your debts.

What are your rights and what are your options. Most importantly – what will they do to you?

Let’s go for a deeper dive here.

ACS Debt Collection Services

What has happened is that you owe someone money. They have engaged the ‘services’ of ACS to chase those repayments that you’ve been ignoring.

ACS makes good money doing this and will keep persevering until an arrangement is done. Fortunately, they will typically be happy to accept a payment plan over a short period to get things up to date.

This is a great thing as you can both stop the annoying phone calls, demanding letters and potential visits to your front door – but you can also sleep at night.

Because chances are…this has probably been keeping you up.

What Could Happen Now

The biggest problem is that most people start ignoring this. They just don’t realize how serious this has become. Those letters and phone calls are real and you shouldn’t play the ignoring game.

If this is you, and you are being chased or harassed by ACS Debt collectors, then this could happen next:

  1. They can rock up to your door with legal paperwork, even on the weekends and up to 9pm at night. (The Australian Government allows this by the way and there’s nothing illegal about it)
  2. The initial debt amount can increase through additional interest being charged and recovery fees. Lawyers and legal paperwork is quite expensive.
  3. They can continue calling you and chasing you up for the next 6 years until the matter is settled.
  4. Stalking on social media might happen including finding out the name of your workplace and boss. This has happened to thousands of Australians with stalking by debt collectors being a big issue.
  5. The worst part – they can ding your credit rating so when you go for a car loan in the future, you could be knocked back!

You need to be quite careful right now about running away and instead face this issue head on. Just imagine having a few friends over and suddenly there’s a knock on the door. It’s two big men with paperwork and demanding repayments immediately. How awkward and soul destroying.

Now, there is an exit-strategy and it’s OPEN to you right now.

But how? Let’s cover this.

The solution

You really have several options. The option that most people take initially is running and hiding because they either don’t have the funds, or simply try to delay the debt collectors for as long as possible.

Next, some people take a payment plan directly organized with ACS Debt Collection. This is a wise idea and our best recommendation actually. They’ll stop calling you once you take a payment plan or pay the lump sum and start chasing other people instead.

Another great solution is to use a debt mediator and we can highly recommend one. These people may be able to talk to ACS on your behalf and even negotiate a lower debt amount and a more lenient payment plan. Initial phone calls are FREE to see if you qualify for these services.

Either way – you do need to address this situation. Do it now before it all gets out of hand.

In Summary

We wouldn’t mess around right now. You need to take action and avoid this problem…because likely it’s going to get much worse long before it gets better.

Either deal with ACS directly or use our FREE recommended phone call service, and we can hopefully get this revolved for you today.

Slater Byrne Recoveries – Are They Chasing You?

Being chased by Slater Byrne Recoveries with daily calls is a scary thought that easily keeps you awake at night. Will they be knocking on your front door?

If they are chasing you, luckily there are ways to deal with this frustration.

Slater Byrne Recoveries

It’s a scary thought. One minute you’re safe and sound and the next there are multiple calls from Slater Byre Recoveries. They are calling you because you owe money to one of their clients, and they want to get paid back.

The debt amounts do vary but generally speaking, the interest rate is higher than ever before.

Upon reading the reviews of Slayter Byre and their complaints, it’s clear to see that this debt collector is persuasive. They get paid big money to recovery debts from people like you.

Be warned, it can get pretty damn bad if you don’t actually do something about it. Don’t fall into the trap that dozens of people have…and end up paying so much more! It’s not unusual for such debts to double in price within a short period of time.

What Happens Next

It starts out with some phone calls and threatening letters that sound very alarming. They certainly aren’t playing around and are demanding repayments from you immediately.

They’ll be chasing you up for months and years, with the rights to visit your home at any time. Imagine that Sunday barbeque with a bunch of friends. The big burly dudes from Slater Byrne can rock up with paperwork and demand to speak with you which can be very embarassing.

From here, they can take you to court and certainly can damage your credit history. Imagine going for a car loan and being knocked back because of this issue.

This is a key reason why you shouldn’t simply run away from this situation. Instead, you should face this head on.

Your Options Explained

The very best option is to always speak to a debt collector like this from Day 1. Don’t mess around here.

You can explain to them that:

  1. You’re out of work or cash is limited
  2. You do actually want to pay but can’t right now
  3. And you’re having a difficult time in life

Really – it’s that easy. They are usually very happy to accept a payment plan over a long enough period where you can make repayments. This is a win for them (so they can focus on chasing others instead now) and a win for you, as you can get the pressure off your back.

As for sleeping soundly at nighttime, this is a great path to go down.

The second option isn’t recommend, yet is what most people do. They simply ignore this situation until it’s too late. As you’re reading this right now, the interest is being charged and rising every single day. It’s really getting out of hand!

Ignorance isn’t bliss and this can very much negatively impact your future.

The third option is to speak to one of our recommended representatives who can reduce the debt amount for you. They can negotiate the debt and provide a solution that better fits your current household budget.

For many Australians, this is definitely a great way to go which can help take the pressure off your daily bills and obligations.

Going forward

Either way – don’t ignore the severity of this situation. Clearly there is a problem at hand and this needs to be dealt with so everyone can get back on track.

If you speak to Slater Byrne, their staff are quite nice and helpful so you can get through difficult situations with ease. Yet if you’re worried about getting a bad deal – drop your contact details on this page for a FREE consultation call today.

Marshall Freeman Review: Are They Any Good?

Are you being chased by Marshall Freeman? These debt collectors call poor Australians every single day and try to get the money repaid.

Marshall Freeman Review

Reading through the reports online and you’ll see a common trend of bad reviews and lots of complaints. People are being hassled by this company so often with phone calls, letters and SMS messages. Did you receive one?

It would say: “Please contact Marshall Freeman today regarding an urgent personal matter!” – What this means is that you owe a company some money and they are using Marshall Freeman to do the dirty work.

Essentially, you’ll need to take action. But here’s the problem: What if you don’t have any money to give ’em? Then it becomes an interesting situation.

Is it a scam?

No – receiving any communication from Marshall Freeman isn’t a scam. They are a legitimate company based in Burleigh Heads QLD. It’s essentially their job to call cash-stricken people all day long.

If you don’t pay ’em then you’ll probably get a black mark on your credit file pretty soon. So then the next time you apply for finance, you could be knocked back. This is why we advocate that you do something.

Marshall Freeman debt collection practices

How they work is a 5-tiered approach and this is quite common by Australian debt collectors.

  1. It starts with phone calls. You’ll get called by them during the day or evenings and yes, this can include weekends.
  2. Then the letters start coming. These are heavily worded “You owe us money!” type of demands. This can include physical mail in your mailbox and emails too.
  3. You’ll be texted by them as we’ve outlined above. They can also text your friends and family if they know their details too.
  4. They might start stalking your social media profiles. Yes, this includes Facebook and Instagram. This isn’t so common though but it’s good to set your privacy settings to private.
  5. Lastly, they can come and visit your house. This includes weekends and as late as 9pm at night. It will be 2 very tough looking guys that won’t be nice just like you see in the movies. Very scary!

From there, you might be dragged into the court room and have to convince the magistrate that you’re innocent. This is a rare case but it can happen if your debt is huge where they think they have a fighting chance to get you coughing up the cash.

By the way – do you have the budget for an expensive lawyer? They do.

Where did this start?

You probably took out a loan, credit card or have a utility bill. As that company has all your details and you stopped paying them, they offloaded the hard work to Marshall Freeman.

Essentially, you’re already in hot water and need to sort this out before it gets worse.

What you can do

The most common thing that people choose to do is ignore all communication. This is actually a terrible choice as it leads to worse consequences. They go after a harder chase on the people who don’t respond to their communications i.e. calls, text messages and emails.

Marshall Freeman are professional debt collectors and as the reviews show, they are relentless in their pursuit. It’s really hard for you to escape your debt obligations.

Essentially, it’s often easier to have a chit-chat with them. They are very likely to offer a payment plan and won’t need the full lump sum transferred immediately.

One alternative option is to use the resources from us! The Debt Free Community is ready and committed to help you during these troubling times.

Pocket Cash: Should You Avoid This Expensive Mistake?

Pocket Cash Payday Lending

We’ve found another payday lender called Pocket Cash whose focus is to make a profit from people in unfortunate situations.

Are you doing it tough right now? Then you should definitely avoid these short-term loans where the people behind them want to make a profit from your misfortune. The paperwork they give you shows you all the shortcomings.

We wouldn’t recommend Pocket Cash as this loan agency is a cash cow with rip-off interest rates and penalties if you default on the original debt.

In fact, we wouldn’t recommend any of these payday lenders. Their deals are heavily weighed in their favour and not yours.

Pocket Cash Australia

You’ve been on their website and it looks good. They make some interesting claims that we can immediately see. Things like:

  • You can do it all online
  • They could get you approved quickly
  • If you have bad credit, then it’s OK

Actually, what they are doing is recommending you to one of their lenders.

Pocket Cash Australia

These lenders take a fortune from you. We’re talking 30% interest here and hefty penalties if you can’t repay the original debt off in time.

You can’t actually get loans through Pocket Cash as they are a marketing company. This is why there is no address details on their website.

Regardless of that, you shouldn’t be taking out a payday loan. It’s risky and dangerous for many people as we’ve hinted at already.

This loan shark behaviour is rampant in Australia because it’s so profitable. In fact, it’s now become a billion-dollar industry with thousands of loans being dished out every single day.

Why we avoid these

We’re focused on helping Australians get out of debt. You might be a long way from that right now, but we wouldn’t recommend payday lending at all.

In fact, of all the financial products in Australia, these are the worst of the bunch. You’re looking at a lot of misery if you decide to take one on.

There is:

  1. Super high interest rates (Sometimes 2x the original debt)
  2. Massive penalties if they have to take you to Court for it
  3. You’ll have a dent on your credit history (That’s not good)

What you have to realize is that they don’t really care about you that much. It’s a revolving door where they want to make a profit from each and every person that comes in.

If you’re willing to, we would avoid these totally. It’s just not worth it.

Good alternatives

Now that we’ve established that payday loans are no good, there are some healthy alternatives you can do instead.

One such option is asking friends and family. Do this on official terms with paperwork so that it’s much more responsible for each party.

You could also start saving some extra money each week. ASIC has some money saving tips on MoneySmart which we really applaud.

Picking up a 2nd job is often a great idea as well. Job recruiting agencies would love to hear from you if you have tangible skills where you’ll get paid weekly.

Lastly, we recommend making a focus towards slowly getting out of debt. Start chipping away today, instead of taking the biat with these profit-making payday centres.

In summary

Use the alternatives we’ve highlighted here. We’re here to help in any way we can. You might want to reach out to us if you’re doing it hard right now.

We’ve also created some resources for you to get through these tough times.

It’s our hope that the Australian payday lending industry can be shut down or heavily audited. It’s putting so many families at risk based on the lure of easy cash.