Collection Agencies and Creditors

asset acceptance - problems and how to solve them

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Posted: Tue Oct 11, 2005 5:46 pm Post subject:

Cindycrable, please let us know the course of the action. Thanks Roxette _________________ Debtconsolidationcare offers free counseling and help, please avail the services before taking any major decisions.

roxette
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roxette

Joined: 18 Mar 2005
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Posted: Sat Nov 05, 2005 5:05 pm Post subject: You charge it, You owe it, You pay it!

Quote: Jay, it's still showing on your credit report as a paid collection. When you go into a agreement with them have the to remove it once payment is made. Get it in writing first. Thanks for your response Wayne and Roxette I have sinced pulled all three major credit reports and both have been updated as paid. Obviously it shows as a paid collection acct. because it was a collection acct. the important thing here is that it is reporting as paid in full. For every positive thing to say about something there is five people who have something negative to say. When i signed the contract for my visa i agreed to pay back any charges including interest, late fees, etc. If we as people keep relying on laws to save us from having to pay back debt we are going to be in serious trouble.......sounds to me like a lot of people are just trying to find ways around taking care of there obligations. _________________ Register today to encash debtcc points.

Jay
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Debtcc Points: 100

Posted: Sat Nov 05, 2005 5:16 pm Post subject:

Jay Your account has been updated as 'paid collection' and this is what you were aiming for. The collection agency has sent your money towards the debt account and now no other agency can claim for this account. Your hard work has given you the positive results. Now, in the future, do not let your accounts go to collections. Try as far as possible to deal with the original creditors. The collection remark cannot be removed before the seven year reporting time and you can always aspire for better than this status. Regards Roxette _________________ Debtconsolidationcare offers free counseling and help, please avail the services before taking any major decisions.

roxette
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roxette

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Posted: Fri Nov 11, 2005 4:32 pm Post subject: Illegal Tatics

Asset started reporting a debt that was from a corporate card that I never owed. The credit card company stopped reporting and asset somehow ended up with the info. They will report for a while and then stop. They stop reporting for ten months until recently. They also do this thing where they will report the debt as a medical collection for some reason but its not. I just want this to go away! any suggestions. someone suggested small claims court. _________________ Register today to encash debtcc points.

BJ
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Posted: Fri Nov 11, 2005 4:40 pm Post subject: ADDRESS AND PHONE NUMBERS FOR ASSETT

Does anyone have an address & phone number for asset both corporate and in San Antonio TX? _________________ Register today to encash debtcc points.

BJ
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Debtcc Points: 100

Posted: Fri Nov 11, 2005 5:03 pm Post subject:

Corporate Address: Asset Acceptance Capital Corp. P.O. Box 2036 Warren, MI 48090-2036 United States (800) 505-5166 asset acceptance llc 10500 Heritage #200 San Antonio, TX 78216 Telephone: (210) 979-3600 Fax: (210) 979-3659

ben

Joined: 20 Jul 2005
Posts: 2099

Debtcc Points: 41167

Posted: Sat Nov 12, 2005 10:00 am Post subject:

Hi BJ Consumers have been constantly reporting about the illegal activities of Asset Acceptance. debt validation is the actual weapon which will give you the legal powers. Ask them to give you the complete details of the accounts with the calculation of interests on it. Along with it, they also need to provide proof that the creditors have authorized the said collection agency for collection. If they are not able to furnish the complete details and call you, you have the legal rights under the Consumer Protection afforded by the fdcpa under Section 809 ( b ). Consult your attorney for this case and sue them up to $1000.

ben

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Posted: Sat Nov 12, 2005 8:30 pm Post subject:

Ben, thanks.. Hey by chance do you know a good attorney that has went up against them before in the state of tx? _________________ Register today to encash debtcc points.

BJ
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Debtcc Points: 100

Posted: Mon Nov 14, 2005 12:12 pm Post subject:

I have not heard about any attorney specifically but I know that people have filed a case against them. Some of the cases have also got resolved while most are carried on dates. I will suggest you to file a case if you are facing their illegal activities. You will have some evident proof that will say your side of the story if it ever takes legal shape later.

ben

Joined: 20 Jul 2005
Posts: 2099

Debtcc Points: 41167

Posted: Wed Nov 16, 2005 12:54 pm Post subject: asset acceptance

is it better not to contact them at all if the debt is 20 years old _________________ Register today to encash debtcc points.

kas
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Debtcc Points: 100

Posted: Wed Nov 16, 2005 1:28 pm Post subject:

Kas, Welcome to the forums. It won't be the best move to avoid any of the collection calls. I will always suggest using your federal rights and handling the calls tactfully. If you avoid the collection calls, the debt collector might put you in deeper problems. Read this page and know why it is necessary to dispute a debt even if it is 20 years old. http://www.debtconsolidationcare.com/forums/scarycollection.html Regards Roxette _________________ Debtconsolidationcare offers free counseling and help, please avail the services before taking any major decisions.

roxette
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roxette

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Posted: Thu Nov 17, 2005 9:57 pm Post subject: asset acceptance

I also received a notice for the amount of $1,146. When I called, the rep told me my ss# which I confirmed. She informed me that my name and soc. was used to open an account with SBC at an address that I never lived at. The rep has moved my case to their fraud department, but I too am leary of this company, so I have received a copy of my credit report and they are on their. I am also filing a police report, because I know the debt is not mine and I was told to send them a copy of this report. Do you think this will close my case? Just another note, I received this notice in October, but the amount in question was in 2002. No one has tried to contact me until now. What is up with that? _________________ Register today to encash debtcc points.

Mad and Furious
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Debtcc Points: 100

Posted: Fri Nov 18, 2005 12:51 pm Post subject:

Hi You should not have updated your SSN# with Asset Acceptance. They will always try to open new accounts in your name which they might have even done. Your first move should be to contact the Social Security field office. There is no fee. Show the proof of your credit report and the account with SBC at an address where you never lived. Give a proof of your present address by which you can prove that you never lived at that place in 2002. File your complaint at the police station and send this affidavit to the fraud department of the three bureaus. An alert will be placed in your credit file and you will be preventing further damages. I understand that Asset Acceptance is using fraud means to collect money from you. Concentrate on how you can prevent this from further happening. After you have done all the legal formalities, file charges against Asset with the help of your lawyer. Contact the local attorney general office, FTC as well as the BBB. This is hard work, but I wish that you will manage with it. Regards Roxette _________________ Debtconsolidationcare offers free counseling and help, please avail the services before taking any major decisions.

roxette
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roxette

Joined: 18 Mar 2005
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Posted: Fri Nov 18, 2005 2:12 pm Post subject: ACCT # xxxxxxx

I received your letter dated 6 Oct 2005. However I have no record of who initiated this original account. I am divorced and my ex-wife may have started this without my knowledge. I refuse to pay under this circumstance, I would like documents showing the establishment of the original acct: xxxxxxxxxxxxxxxx. Please contact me at FredrickDearing@,msn.com in the future and do not call by phone. Thank you. _________________ Register today to encash debtcc points.

FREDRICK DEARING
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Debtcc Points: 100

Posted: Fri Nov 18, 2005 2:57 pm Post subject:

Hi Fredrick We are not affiliated with asset acceptance llc. You are in one of the forum pages giving the consumers' feedback on Asset Acceptance. Please directly contact the company at the following address: ASSET ACCEPTANCE, LLC 28405 Van Dyke Warren, MI 48093 Phone: (586) 939-9600 Fax: (586) 446-1803 Or, Asset Acceptance LLC 10500 Heritage #200 San Antonio, TX 78216 Telephone: (210) 979-3600 Fax: (210) 979-3659 Regards Mike _________________ Happy friendship day/week/year to you ... be my friend.

Mike
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Mike

Joined: 28 Oct 2004
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Posted: Tue Nov 22, 2005 5:26 pm Post subject: collecting a debt

I was just served papers from Asset Acceptance where they are taking me to court for something i dont think i did. i believe they have the wrong person on this one. I have never been contacted by them at all and they are collecting a debt for Household Credit and the only thing i have with Household is my house and i know that isnt being forclosed on lol. I have tried reaching them and they wont give me any answers. Any advice would be good. _________________ Register today to encash debtcc points.