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02-20-2008, 11:54 AM

Asset Acceptance Capital Corp. 6985 Miller Dr, Warren, MI48092 Tel: (586) 939-9600

Assets Acceptance LLC is located @ 28405 Van Dyke Avenue, Warren, MI., 48093 1(586)939-9600 Nathaniel F. Bradley - Chairman of the Board, President, Chief Executive Officer

03-03-2008, 04:52 PM

Hi i just received a letter from a law firm GOLDMAN WARSAY & PARRELLA TRYING TO COLLECT A DEBT FOR $5.000.
they say they want to give me 40% off the bill but i do not have that kind of money ASSETT ACCEP wa on the letter as well will they work out a payment plan with me.. what are my rights before they take my salery single mother need help.

03-03-2008, 06:38 PM

Asset will lie to you.

Info please:

1. Where do you live?
2. What is the debt for?
3. When was the last time you made a payment?
4. Have you sent the Law firm a Validation letter?
Asset generally does not or cannot validate.

Also if you accept a discount they can report the savings to the IRS and you will have a tax liablity on the $2000.

songmaven · 03-08-2008, 08:08 AM

I've actually had okay luck with AAC. I was able to validate a debt with them, and they do in fact own it. I requested that everything be put in writing, and they have complied with that so far. I worked out a payment plan, on the condition that the account is listed as "paid in full" when it is satisfied. I am not giving them any account information over the phone, though they did ask for a checking acct #; I have paid everything online and have kept records of the payment confirmations. If the account is not listed correctly, I will take the necessary steps with the CRA's, though I didn't make that known to AAC.

03-08-2008, 01:50 PM

This company (in Florida) has been trying to collect on a 10 yr old debt for about a year now. It is my husband's debt and they even began garnishing his wages for it. They never even contacted him, we just got this letter one day from the court. We called the company and they said he couldn't avoid it unless we had minor children in the house. The debt is 10 YEARS OLD!!! I was under the impression that after a certain point, they cannot just garnish your wages. They are now calling him regarding another debt they say he owes. Again, over 10 yrs old and it is actually his ex-wife's debt. We're not sure what to do with these people.

chosenonex · 05-30-2008, 01:15 AM

I recently was issued a summons from Asset Acceptance (I'm located in Florida). I called an attorney that morning and was told I should work out a deal with them. It was for an old account I had with Dell. (I didn't need to ask for debt validation because they had the papers included...and I knew it was mine anyways.) I called that day and worked out a payment plan with them.

My problem occurred with them after the fact. I was told by them that I didn't need to show up for the pretrial since it was worked out. They also told me that paperwork was sent to the court and I didn't have to worry about it. Twice I called the court and was told that they never received any paperwork and that I should show up anyways to cover myself. I called AA immediately afterwords both times and was told the paperwork was sent, and that it was probably just lost in all the paperwork the court gets. Oook.

I showed up for the pretrial with the paperwork I signed and had sent back to them. When it came down to being called, I went outside to talk to the attorney that was there for them. He didn't have any copies of my paperwork or have any knowledge that we had come to a settlement ourselves. He called up the person he was dealing with in the company...and get this...didn't have my paperwork on file. So two people tell me the paperwork was sent to the court, and now they tell me that they don't have it??? How does that happen? The gentleman then took copies of the paperwork I had on my and I was free to go.

I just feel like AA tried to set me up to shoot myself in the foot by not showing up. I could have had a court date set and not even have known...and then had to pay their attorney fees. Where should I go with this next? I feel like they tried to screw me over.

JCEMT · 05-30-2008, 06:53 AM

Well chosenonex, it sounds to me like you are right, it appears that they tried to set you up for a default judgment. You could continue trying to make this work or I could give you some tips that could help you turn the gun back on them and let them shoot themselves in the foot in turn. Possibly getting this case thrown out. It's up to you, what would you like to do?

chosenonex · 05-30-2008, 10:26 AM

Would like some tips on letting them shoot themselves in the foot of course. :twisted:

imadebtcollector · 05-30-2008, 10:52 AM

caveatemptorblog.com/2007/05/08/pocket-service-and-pre-judgment-garnishment

Your readers might find this an interesting site

chosenonex · 06-05-2008, 06:27 PM

So any tips on how to proceed next with dealing with them?

06-05-2008, 08:04 PM

You have to wait for their next move. But I would check your locale court every month if possible to make sure they don't re-file and say they served you and get the default judgement. Also if you haven't send them a DV letter (cmrr)that will generally make them leave you alone.

chosenonex · 08-21-2008, 07:27 PM

Well, after falling a few payments behind to AA after having to fork out almost $2000 for car repairs for my mother...I get a letter in the mail saying that they went ahead and took it back to court and got the default judgement against me. Nice.

I have two more weeks to send them paperwork including a copy of my last paycheck and bank statements. Any advice on what to do next? It just kills me that it's because of circumstances beyond my control that I got backed up on payments and they kicked me while I was down. Not that I didn't expect it from them.

08-22-2008, 01:44 AM

Are you saying they got a default judgement without your appearing in court?

08-22-2008, 12:11 PM

Correct. I was never even given a warning that it was going back. It was like...surprise...here's the papers in the mail a week after it happened.

paulmergel · 08-22-2008, 12:43 PM

it should have something from the court as it should be a court document.i would contact the court to make sure.it sounds like improper service and should be grounds for dismissal with perjudice.

chosenonex · 08-22-2008, 07:28 PM

My whole thing is though...is it considered improper service if they considered it a default on our agreement. I was properly summoned the first time before we came to an agreement...but do they have to summon me the second time if they take it back to the court if I missed a few payments?