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

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!!!

Ok, I just received a letter in the mail from Asset Acceptance LLC about a Abercrombie & Fitch account I used to have in 2005, unfortuanetly I had a tragic loss in my life at that time and was unable to pay my bill. Once I recooperated I got back on track and paid off all my debts. I called Abercrombie & Fitch and Capitol One and made a payment by phone of the amount owed to the accounts. Now I am receiving mail from Asset Acceptance LLC about the Abercrombie account stating I still owe money. I have proof that money was paid. After trying talking with Asset Acceptance they were very rude and informed that I still owe money and even thought I have proof I paid off the account theres nothing that I can do. Is this true? I dont even know where to start?

fire off a DV and C&D letters.send copies of your proof.this is a bottomfeeder deluxe.also see if abercrombie and fitch or capitol one can let them know you paid it off.just know this is a bad CA that uses illegal tactics to extort money from people.

They have the proof that I paid the "settlement" amount to abercrombie, that should have taken care of it, is that correct? I am really confused because I paid the settlement amount to Capitol One, they reported that to the credit bureau and is no longer effecting my credit it shows that its closed/paid off. I did the same thing with Abercrombie. Could it be possible that they mislead me, took my payment and did not report to the credit bureau? What is a DV/C&D, CA? Thank you

They have the proof that I paid the "settlement" amount to abercrombie, that should have taken care of it, is that correct? I am really confused because I paid the settlement amount to Capitol One, they reported that to the credit bureau and is no longer effecting my credit it shows that its closed/paid off. I did the same thing with Abercrombie. Could it be possible that they mislead me, took my payment and did not report to the credit bureau? What is a DV/C&D, CA? Thank you

dv=debt validation
c&d=cease and desist
ca=collection agency.

it's possible that abercrombie and fitch lied,but try contacting them first.it could be crossed wires.

I just called Abercrombie and they will not tell me anything because "they sold my account to asset acceptance", looks like this is turing into a 3 year nightmare. Thank you for your help I really appricaite it.

Debt Collector,

Your company buys "alleged bad debt". You rarely have proof that the debt actually existed. If asked for the proof of its existence, you have no proof.

Not only is debt alleged and not real, but often it is far past the statute of limitations for collection, which varies by state and type of debt. In my case, you have been chasing me for the last 7 years on a non-existent debt that even if it had been real would have now been 3 years past the 4 year limitation on the debt.

You illegally restated the date of the alleged debt to a later date in my credit report. You went away for a year because I filed a complaint with the FTC and a threatening letter, but now call me every day - which I usually ignore. Excpet on days like today when I just get pissed at the unethical behavior of your company.

My sister-in-law passed away over 10 years ago. Asset Acceptance is contacting her son about her debt. She has used his name and ss# to apply for credit. They told him he has to prove it isn't his debt. HOW??? They refuse to send him any information on the debt. They ended up garnishing his wages for $10,000. Now they are coming after him again, for a couple more of her debts. How do I find out what the Ohio statute of limations are? I feel so bad for him. He loves his Mom and feels it is his responsibility to clear her name, he has given up the fight.

I rec'd a writ of garnishment from a local lawyer that rep AA,LLC. However on the letter they have listed my old employer as a garnishee, i don't work there anymore. Were they able to search for current employer?

ReallY? People go out purchase things beyond their means of living, duck and hide from debt collectors! This is hilarious! All these post at stating that Asset Acceptance is criminal but what do you call a person who burns out a credit card and refuses to pay? I'll tell you, a thief!!! These people on this site really need to calm down! Trying to figure out how to dodge their responsibilities. Finding every excuse they can think of -- "oh this debt is out of statue!", "how did they get my new number?" "the economy is bad!" Blah, blah, blah! These bad debtors who refuse to pay their bills are the very reason why the economy is bad, businesses are closing and others are losing their jobs!

You want to know how a debt collector gets your need phone number or even your mom's cell phone number? I will tell you---

Whenever YOU - the debt maker - go out an try to get around the system using your relatives' information to figure out new ways to get more credit to burn, this information is reported by the unsuspecting new creditor who is trying to find out more about you before you burn them too!!! So, if you do not want Asset Acceptance to know your relatives' information then don't use your relatives' information because you are not credit worthy enough to use your own! Problem solved!

At some point in your life, you will want to return to being a credit worthy individual. You will need to pay off your previous debts before anyone would ever think about extending credit to you again. Because Asset Acceptance are debt buyers, they can usually negotiate with you to find a resolution. Avoiding, hiding or becoming angry when someone calls you on the carpet for what you owe is not helping you

AA reports settled accounts as "paid" in full NOT "settled"


Seems like the real scam artists are the ones trying to convince people to dodge their responsibility for paying for their debt abd hire them to sue AA instead. Don't be fooled!

As the debtor - YOU - have to prove that YOU paid YOUR debt. You will get a debt validation and even copies of a contract that YOU have signed. Then YOU - the debtor - will need to provide what and when and who YOU paid. Asking a debt buyer to send you a list of what YOU bought is absurd and unrealistic. Do you really want to them to show YOU that YOU bought 75,000 DVDs of Girls Gone Wild on your Visa card and decided not to pay Visa?

Get real!

Do collectors get some kind of cheap thrill trolling here? Are their lives really so empty that all they have to do is search forums for people to insult? Maybe they are just practicing for their phone calls? They are going to insult us into accepting their illegal actions? If they do not want to play by the rules, then they do not deserve to have anyone pay them. Maybe someday they might get a life, or at least a girlfirend, and leave people alone who are trying to get legitimate help with their financial problems. Funny how so many of them want to say that there are a few bad collectors out there, but not them. Same ones who want to say everyone who has fallen on hard times is a deadbeat who is trying to scam the system. It is no wonder that more people than ever are filing bk. I am not advocating anyone should avoid their real responsibilites, but with irrational collectors hounding and harrassing in blatant desregard of the law, and basic respect, they should expect people to view them as vultures and lower than vermin lifeforms.
Can't help ranting. It just really gets under my skin sometimes.

Asset Acceptance (a junk debt buyer that is so big it is publicly traded company on the stock market) is involved and works with the National Arbitration Forum, who was recently sued by the Minnesota Attorney Generals Office for illegal actions including fraud and deceptive practices. For fear of their illegal activities causing them worse harm the NAF lost and caved in less than a week to the AG's demands, and is now also being sued by a slew of class action lawsuits from all over the country.

Asset Acceptance forces credit card consumers into arbitrration and gets the National Arbitration Forum working with them to rubber stamp their arbitration against the poor consumer.
Asset uses illegal tactics that violate the Fair Debt Collection Practices Act, and many Federal Trade Laws.

Every arbitration done by the NAF will be turned over and all judgments set aside. Notify the courts. File a simple lawsuit to vacate your judgment that Asset Acceptance caused you.