ACS INC Debt Collectors or Scam?

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      Okay back in 2008 or 2009 my husband took out a payday loan for 700 dollars I was unaware of this. So about 3 weeks ago he gets a phone call saying if he does not pay he will be sued taking to court blah blah. He is frightened still at this Point I am unaware of what is going on. So he finally tells me that he took out this payday loan a while back and that he has given them access to our bank account I could not believe he had done that so I tell him he should have gotten to validate the debt first and sent him paper work stating how much he owes etc.. he calls them they say the will sent it this is before the received the money, but we never receive anything and yes the have their money. Any advice as to what I should do?

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