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Sub: #65
Replied on 05-06-2008, 04:10 PM
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Got another letter today with a copy of the credit application I signed in 1999. That's all I got from them. There is not a copy of any contract with any items that I purchased. There is no bill of sales showing that they bought the account. There are no billing statements. There is a handwritten limit of $5000 although that is not what is on my credit report or on any old statements I located. Is this enough or do I continue to ask for more? They are asking me to call to make arrangements to pay the amount of 3826.

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Sub: #66
Replied on 05-07-2008, 07:00 AM
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Sent another DV letter stating that I did not receive all information asked for. Should I wait or call to try to settle?

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Sub: #67
Replied on 05-10-2008, 07:58 AM
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I recieved a letter from AA stating that since they received my information about reporting to a credit agency and after they review the information they have from the original creditor, they have reported my account at disputed to the reported agencies. I only got a copy of the credit application as validation. I sent them another DV letter stating that I need more proof. I got a letter from Transunion stating that they have deleted AA from my file. Should I just wait to hear from AA? What does all this mean from AA?

Thanks.


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Sub: #68
Replied on 05-11-2008, 04:22 AM
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Sounds to me like they have somethings in regards to providing validation but they may not have a whole lot. Have they been able to produce a bill of sale or assignment contract yet?


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Sub: #69
Replied on 05-11-2008, 09:49 AM
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No, nothing else.


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Sub: #70
Replied on 05-11-2008, 10:35 AM
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If they can't provide how they got the debt with documentation of it then they honestly have no legitimate claim to the debt because all the documentation says is this bank has record of an account with this individual, nothing about how it got from the creditor the the CA in question.


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Sub: #71 SOL - OHIO Law
Replied on 05-13-2008, 01:59 AM
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SOL against debts in Ohio is currently 15 years. One of the longest SOL periods in the country!

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Sub: #72
Replied on 08-08-2009, 11:29 AM
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I got a settlement letter of $1400 if received by june 30. I sent delivery confirmation[they received june 26] They say I owe more due to interest. I disagree yet they continue to harrass me!

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Sub: #73
Replied on 09-23-2010, 02:20 PM
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Wanting some advice before I commit to a payment plan. I have 2 Citibank charges approx. 5,000 total. Fell on hard economic times,haven't made a payment in 2 yrs. Asset Acceptance,LLC got my accounts. Wanting to take me to court, I asked if they would settle for less as my American Express did. They said no, only a payment plan of full amount.Would it be better to do this, or go to court and risk more financial penalties?

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Sub: #74
Replied on 11-21-2010, 05:48 AM
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I just recieved a notice from asset acceptance for a Diner's Club gov't account that is over twenty years old. I am positive that is was closed, and in fact back in 2004/05 I went thru a major review of my credit reports for the purpose of challenging and removing dead accounts. Beyond the fact that it is over the SOL how do I tell these folks to bugger off. Thank you ahead of time for your assistance




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