MY DESK: MADISON -

I've spent a lot of time the last seven or so months using humor to illustrate just how ridiculous many of these scam/spam emails can be. 

However, I was reminded yesterday just how serious these need to be taken. Naomi in Montello called me because she received the email below. She's on Social Security, by her own admission she's not computer savvy, and here she was being confronted with an email that said she owed hundreds of dollars and would be taken to court if she didn't pay immediately.

She was scared and I'm honored she thought to call me for advice.

I know I use humor a lot here, but please don't ever misinterpret that for a lack of seriousness on this topic. I realize there are lives at stake, retirements at stake, futures at stake and I will not take that for granted.

Thanks for calling Naomi. And to all of you who might be scared or worried about an email, feel free to call me or a friend or a family member to make sure your fear is needed. It wasn't in this case and it won't be in any of the emails we feature here going forward.

Have a great weekend and just hit delete.

Adam

----- Original Message -----

From:ACS INC

To:ACS INC

Sent: Friday, April 25, 2014 10:58 AM

Subject: Case File No. C-0425; Subject - Lawsuit

Due to: ACS INC.

Amount Due: $955.75

Case File #: C-0425

Dear Debtor,

Our company (ACS INC) has authorized us to recover the full amount due to them.

As we put your Social Security Number into our National Checking Database System, we found that you have never been charged for a fraud activity & that’s the reason Court House has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and Social Security Number.

We regret that if we do not receive your response within the next 48 hours, we shall have no alternative but to take action through your local County Courthouse to recover the amount due together with court costs and legal fees which is approximately $4252.86.

AS YOU ARE A DEFAULTER ON THIS CREDIT UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid:-

·         Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer