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 Posted: Thu Dec 07, 2006 1:54 pm Subject: Is Asset Acceptance LLC legal? |
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We got a call from asset acceptance llc claiming that my mother owes over $3,000.00 because of some fee she did not pay over 13 years ago. She had absoultely no idea what they were talking about and requested information of how and what she spent that money on. But sure enough they claimed they did not have that kind of information, only a vertification of my mother once having the mastercard fleet credit card. My mother has absolutely no recollection of that card and when we did receive the "vertification" of her once possessing the fleet mastercard, that paper contained nothing of the sort, only who to address the payment to. Is this legal? I mean, Asset Acceptance LLC contacts my mother about some bill she owes from over 13 years ago out of the blue one day in November of 2006?
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MinnaShim
Joined: 07 Dec 2006
Posts: 1
Debtcc Points: 25
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| Posted: Thu Dec 07, 2006 2:31 pm Subject: |
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Paying this account will hardly make a difference because of its age. It's too old to be reported in the credit report and hurt the scores unless they can make you do the payment. One payment will make the account current and the debt collector gets all rights to report in the credit copy.
Make your legal move. Send a dispute letter notifying that the debt is too old to be reported in the credit report. If they try to hurt your credit, you will be considering legal actions against the company for violation of FCRA laws. You are making this point after checking with the FCRA laws. The debt is out of the SOL period, no legal actions are possible. Since it's past the 7 year reporting period, it can't be entered in the credit report also. One payment or even if they get your commitment to pay the debt (recording) will change the whole story
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GunsNroses
Debt Samaritan
Joined: 08 Jun 2006
Posts: 494
Debtcc Points: 7991
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