Hi All.

I have something to ask of the internet GODS,

i need help.

a debt collector called me because of an electricity bill from 2 years ago,

and another called me about a phone bill from 1 year ago.

between them and a pending court case about speeding, i am beginning to freak out!

I need any help I can get. Anyone heard of ACMF? 

I have not created any new debts for over a year, however I am just treading water, and have no means  

 Cheers