We are being sued by Asset Acceptance for a debt we have over paid!

Asset acceptance is trying to garnish me for a Bally Fitness.I tried to make arrangements but they want something like 500.00 a month.They say it will be easier to garnish me for 500.00 amonth.

they can't get that in a garnishment unless you clear about 2,000.00 a month after taxes,and every other deduction.the usual amount is 25% of your pay after all deductions.this place is a bottomfeeder.hold your ground.besides to garnish they would need a court order.that means they would haveto sue you and win.i doubt that happened.

Yeah it sucks they put a judgement out agains't me to garnish my wages. they take out 25% out of my paycheck. what sucks about that is that i tried talking to them about making somekind of payment arrangement that i could afford and they told me that it was too late there was nothing they could do about it only thing they could do is i would have to pay them the 5,000 upfront by 5pm or they would process the paper work. I told them i am a single mother with no child support i work part time i have a child with a disability and i live paycheck to paycheck. now a year latter police showed up at my job with paper work and now there garnished my wages and now i have to file paper work for excemption or something. but how can a judgement be made against me when i never been served with paperwork prior to this date for a court time to give the judge myside of the story, they can just go and do that. the judgement was set on 06/08 and now 10 months later almost a year later there garnishing my wages. It's not like they didn't now were i lived i've been at the same residence for almost 10 years now.

you got to the courthouse and file a motion to vacate because of improper service.take any and all papers to the court clerk and they can assist from there.

I received a call today from these people. The VRU provided the name of a woman and asked if it was the correct number. I selected the option that was provided to indicate they had an incorrect number. A woman immediately picked up and asked me the same question. I told her they had the wrong number, and she demanded I provide my number. I refused stating that I don't provide any information to anyone over the phone, especially to wrong numbers. Her response? "Well, you gonna get anotha call, have a goodday" and she hung up. I don't know who these people are or who they think I am but I intend to pursue legal options if they start harassing me. I have a credit rating of 815 and NO DEBTS!

I received a summons from Asset, in April, the court date is in june. I had payment arrangements with them, but then I went on maternity leave, and had no income. I was incontact with a rep there, and I had made several attempts to contact him. He said that once I started working again in July, we could make arrangements again. Well I talked to him twice in July, and he had told me to call back the following week, so I did, and I got his voice mail every time. I asked if there was someone else that could help me, and they would put me through to his vm. He never called me back. I had every intention of paying my debt. Now, I'm served with a summons, and I don't know what to do. I don't have the money for a lawyer. Can anyone help me!!! I need some advice!!!

You will have to answer to the court and appear to defend yourself, otherwise they will get a default judgment against you. Here is details about the process, and what to do and expect: "http://www.nedap.org/hotline/court.html"

You do not need to have money for a lawyer in America, if you cannot afford it one will be provided for you. Inquire to the court about Legal Aid.

I had a Credit Card that I had paid down to about 1300.00 and hadn't been able to make a payment since 2000. I moved from Florida to Ohio in late 2005.
I never received anything in the mail and was shocked when I opened one of my checks and had almost a $200.00 Garnishment taken out.
After backtracking through my company and corporate, come to find out, it was Assett Acceptance, who had filed a suit against me, had a court date, that I was never informed about and won a judgement against me for $7400.00!!!!!
My employer said, "We were "supposed" to send you something about this, with a worksheet for your expenses." I wrote a letter to the judge and got a new hearing, only to be told by him that there was nothing he could do just because I couldn't afford to pay it. I informed him I would lose my house and my car and all he could say was that he was sorry, there was nothing he could do. He wouldn't change the percentage from 25 %, saying, by law, they could do take that amount. I'm thinking of calling them to see if they would alleviate this as I have now paid 1309. and some change.
HELP!!!!!!!!!!

I live in Ohio.
On May 26th, AA filed suit against me in my local court, through and attorney, for an old credit card (still within SOL, I believe ).
I've been preparing a response to the court as my required 'appearance."

Then I receive a letter from AA dated JUNE 4TH offering to settle my account with a reduced amount. They are suing for about $1200 on a $500 card. The offer they made me was considerably less than the amount for which they are suing.

My questions are these:
1. Can they legally contact me directly like that after they've turned the case over to an attorney?

2. Would I be ahead to contact the company and try to bargain it even lower, get it in writing, and submit that to the court since they will obviously accept less than the petitioned for amount?

3. Should I try to settle with them through the collection agency myself, and in my answer to the court, ask that the case be dismissed as arrangements have been made with the creditor?

4. WHAT SHOULD I DO?

Thanks

1) Sure. Be glad they did!
2) This close to a case, it is best not to stir the pot too much, see the link below (it is for New York but it has a lot of info) about how to negotiate a settlement within the lawsuit process.
3) I would negotiate exactly as offered. The time to negotiate with the CA would have been *before* they sued you.
4) That is your decision, no one but your attorney can advise you on that.

For assistance during your settlement agreement process, see:
"http://www.nedap.org/hotline/settle.html"
"A settlement agreement is an agreement between you and the plaintiff that resolves the court case without a trial or a judgment. In most cases, the settlement agreement will include a payment plan."

THE OWNER OF THIS HORRID COMPANY!!!!!

Daniel

personal info removed - Jason

this jerk is my neighbor ... he works for Asset and always talks crap about the personal info of the people he calls .

Personal information removed for collector

I am a Collections Supervisor at Asset and have to admit that there a few bad apples within the company(as with any company.) I do have to stand up for the comapny when it comes to claims of harassment.

Harassment is a word easily thrown out when people can't or won't pay their bills, and just don't want to be constantly reminded of their bad situation.

Consumers should take responsibility for their bad debt and call to make affordable payment arrangements. We are more than willing to work with our consumers.

like your bottomfeeder company ever worked with anyone.get lost.

The BBB shows over 1000 complaints against this firm, plus they are on Bud Hibbs Worst Agencies in America list.

Not to mention, 439 people sued you in Federal Court, mostly for FDCPA violations!

It sure sounds to me like you guys are wonderful and fair and work with everyone!! Yaaaaayyy!

Of course, if your purpose is to hand out $1000 to people, well then - you are very helpful!

The sad thing is, if you OBEYED THE LAW there wouldn't be much most people could do about it, other than filing for bankruptcy. If you ACTUALLY worked with people - really - then you would collect a lot more and pay $1000 through Federal Court a lot less often....

Good luck with that....

Hi eveyone...
I just need to ask someones advise.
I have received a letter from AA, It involves charges for a ticket I receive din Arizona in 1994. I now live in California.
1.) I thought this was paid in full to my knowledge, and after 8-10 years I do not keep receipts and old bills.
2.) I was tricked into "verifying" my Social so not AA has it, so now I am affraid this small amount is going to be iob my credit; which is good right now!!
3.) They say that with a court fee there is not a statute of limitations.
When i asked for a statement for verification to be mailed to me the girl I was talking to said they would not give it to me unless I gave her a number to call me back at... I said that I did not want to receive calls daily etc... and then said well then i can't help you.
I really can't believe a legitimate company conducts business this way. THANKS IN ADVANCE!!!