My husband received an email from a ACS Legal group regarding a loan we never took out. They claim it is with Advance Cash America (which doesn't exist). The real name of a payday loan company is Advance America. There is however a advantAGE cash Service, but is a Tribal loan company. They are ILLEGAL in any state that they do not have a licence in (which I think the only state is OK). If you have ever looked or applied for an online payday loan they will fraudulently deposit money into an account and then charge you like 90% interest (check the small print). They will NOT let you send money order or any payment through the mail, they request you give them your bank information so they can autodebit the account; in which they suck you dry.  DO NOT APPLY ONLINE FOR ANYTHING UNLESS YOU KNOW FOR SURE WHO THEY ARE !! This is a complicated situation as because they are "tribal" they can claim they are not held to US laws; so its difficult for agencies to prosecute them ( I know I've contacted several)