I need to know who made the charges that are under my name?

[kashzan]

You have reached a forum dedicated to helping in debt. We have no idea about any charges to any account. If you tell us who you are trying to reach we may be able to help you.

I am only 19 years old and while applying for jobs, loans and the like for college I find out I am in debt, yeah, asset acceptance... I call every outlet, I file reports, everything and instead of having anything to say about the fact I have had my identity stolen they treat me like trash and spit near fire while telling me what avenues will most benifit me. Also, when calling the numbers mailed to me I get recordings... never a real person, and I repeat, I am 19, I know about as much about all of this as I do about ethiopian culture.

[JCEMT]

Do you actually owe any of these or are they all result of ID theft?
If they are a result of ID theft then file a police report, get copies of the report mailed and/or faxed to them (if you mail it send it certified mail, return receipt requested) basically to tell them that here is your proof, it's not mine. Also you should file disputes with the credit reporting bureaus (Experian, Equifax, and Transunion) to get it cleared up there as well.

You can get your free annual credit report from annualcreditreport.com as entitled under FCRA.

Asset is suing me in court tomorrow for $2900 on an old debt any advise out there??

[JCEMT]

If you could answer these question for me I can better assist you:

1. What type of debt is it?
2. When was the last time a payment was made on it?
3. What state do you reside in?

I have a new situation I havent seen before. At one time I lived in Florida and they purchased something outsde the SOL in Florida and without contacting me etc. somehow were able to obtain a civil judgement against me. Please keep in mind that I was disputing the debt prior, I lived in Kentucky when they went to court so I was unable to show in court and or defend myself. DOES ANYONE HAVE ANY ADVICE

[JCEMT]

If they got a default judgment because they filed suit against you in a state and/or county that you do not reside in you may be able to request vacation of judgment based on improper venue.

[girlx_6]

Hello all,
I am currently in collections with asset acceptance and I checked my credit reports with Transunion and equifax and it says that I owe 2 different amounts.. $4010 at transunion
$3974 at equifax
How do I fix this lil problem?? And does this company take settlements bc I never even charged up this much! My acct was closed in 2003, which was $1,600-2000, is this legal?

[JCEMT]

Welcome to the forum girlx 6.

It appears that they are reporting inaccurate information, and they have given you everything you need to prove it. I would suggest first sending them a debt validation letter (you can find a good template via my signature) send it certified mail, return receipt requested. Also save the copies of your credit report that you have viewed, that is your proof that they have reported at least one inaccurately. In the validation letter template it (among other things) demands that they tell you how much they claim you owe and break it down to show you how they calculated it.

Hi


I`m new to this forum and I want to say hello to all the members!

[JCEMT]

Welcome to the forum Michael, if you wish to stick around, why not register? It's free and you even get paid for posting. Each post net's you between a hundredth to 20 debt CC points and are encashable for $0.01 per point.

You all know about the debt you owe, and that it appears on your credit report because you do owe. Asset Acceptance, like any other collection agency is legit, has your debt, has reporting rights, and can make any kind of settlement and arrangement with you to pay it, and if not paid, Asset Acceptance has the power to further damanage your credit on unpaid debt, no matter how little or big the amount.

No longer should you all continue to dodge your financial responsibility by discrediting the collection agency whose job it is to collect on--for the sake of desolving--your rightful debt. Otherwise, it will stay with you and affect your life. If not Asset Acceptance, than some other agency will always have your debt on record and will be in touch with you.

For you who is dodging your responsibility, what collector will you consider legit enough to pay?

You will always remain in debt and in collections, because it is your desire to keep yourself there.

[paulmergel]

you btru,will be a troll and a shill.assest acceptance is a bottom feeder CA.the fdcpa exsists for a reason.to protect consumers from collection slime.tell me something,how many AG complaints did you mark pif?how many default judgements got thrown out for improper service?assest acceptance is a blight on an industry with a dicey reputation as it is.your well bluster did nothing to sway anybody here otherwise.

[unclewulf]

Damn........

i did not received any type of notice about my past due account or court papers stating they enter into a judgement