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 Posted: Mon Apr 30, 2007 2:02 am Subject: Asset Acceptance- Is this legit? |
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I recently received 2 letters from Asset Acceptance, LLC- for 2 separate accts. (I know they are junk debtors). I know I paid these accounts, but unfortunately I no longer have proof. The SOL has not run out. I sent them a letter demanding verification- I received a reply on one of the letters- all they did was repeat the amount owed and company. Is this enough for verification? It shows nothing to me! I have no idea what to do, nothing about these acounts is on my credit report. HELP!
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farris127
Joined: 30 Apr 2007
Posts: 2
Debtcc Points: 86
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| Posted: Mon Apr 30, 2007 4:02 am Subject: |
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I know that there is a difference between debt verification and validation...One is more specific and I think what you want is debt validation...There is a template for the letter in the DIY section of the forum
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Leah
Debt Samaritan
Joined: 04 Mar 2007
Posts: 2333
Debtcc Points: 50556
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| Posted: Mon Apr 30, 2007 5:43 am Subject: |
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Get the debt validated by the collection agency. Also, keep a watch on your credit report so that you know that they are not doing any illegal reporting on your file. You don't have to worry because they cannot take any legal steps until it is proven that you have not paid the account. For them to do so, they have to validate the account first.
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orake
Joined: 20 Jul 2006
Posts: 483
Debtcc Points: 6732
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| Posted: Mon Apr 30, 2007 6:10 am Subject: |
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I just found out from the original creditor that one of the amounts is legit. The electric co confirmed it was sent to collections. So, knowing this is it safe to pay Asset Acceptance?? I'm weary because I hear so many bad things about them- but I just want to take care of it.
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farris127
Joined: 30 Apr 2007
Posts: 2
Debtcc Points: 86
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