My husband and i have recently started recieveing calls from a company called acs inc. after doing a little research on them im pretty sure this is just some type of scam. They said we had a defaulted pay day loan, which is true... my husband has tried a few times to pay off at the place he took the loan out and they wouldnt accept it. But now over a year later they are calling multiple times a day and making various threats, I finally talked to them and was going to make a payment, then we recieved another call tonight from a "totally different" company saying the payment we were supposed to make is no longer going to be accepted. And if we dont make new arrangements with them for a much larger amount of money, that legal action will be taken, police will be at my home and husbands work... I dont know what i should do. Do we make the payment or just call say we refuse and i researched them they are a scam...