[ben]

KLL

OMG, don't take this humiliation as your fate. Show your stronger side and strike with legal charges of using abusive/profane language. Get the calls recorded and show it to your lawyer. If recording of debt collection calls is permissible in your state, do it. Otherwise, inform the caller that you are recording it for legal actions.

Regarding your debt, the debt of last activity in this account is 12/2000. In which state did this account originate? I wonder it might be out of the SOL period. On such circumstances you can't be forced to pay it and can't be brought under any legal actions.

I am assuming that Asset Acceptance is doing some kind of fraudulent activity in your credit report. Two companies cannot report for the same account at the same time. Dispute with the credit bureau that is reporting this account. They will investigate the matter and correct the file. They will send you an update copy of your CR.

When you get a call from Asset Acceptance, keep in mind of recording their call and ask for debt validation. The collection agency is bound to send the details of the debt in writing after you have placed the request. Send your letter certified with return receipt requested. Doing this, you will have proof to defend yourself and file legal charges against them. Have proof of everything while you are filing charges against the company. Asset is one of the worst debt collection agencies in the market. The perfect term that comes in my mind for them is that they are 'goons and scumbags' Be careful.

I think you can look for some professional help also. The debt consultants are trained enough to handle such kinds of collection agencies and you will be free from all their harassments.

KLL,
Dont take that from them. Get some legal advice or hire an attorney. They cant talk to anyone in that manner. Im dealing with them right now for a dept that isnt mine and they can be rude. I know from experience. And two creditors can not report on the same account. Talk to some one for some good strong legal advice that would be the best that you can do and do record any calls from them. Good luck and let us all know what happens...

Sandy

Thank you guys for the info. I was shocked when the rep. replied to me in the manner he did. I live in the state of GA, and the SOL is 7 years. The fact that they show me responsible for over $6,000.00 when it is not that amount just drags my credit down. I think I will seek legal representation since I have already disputed it with the CB, and had them do a reinvestigation. I'll keep you guys posted. Thanks again!

Roxette,
I went to the mediation hearing and they never showed up because they had dismissed everything and never notified me. The only thing i dont understand is why they dismissed with prejudice? That sounds worse then being accused of a debt that isnt yours to begin with. Well it is all done and over with and that is what i care about. Thanks for all your support thru this and if i can help anyone else i will be there for them also. Thanks again...
Sandy

[roxette]

Sandy

Good to hear back from you !

As expected, you have the court papers in your favor. Show it to the CRA and get your file updated. Hopefully, due to an improved credit history, you will have a little rise in your credit scores.

I will be glad if you can join our community and offer suggestions to those in similar situations. Besides, this forum has many other exclusive features available to the consumers. Register yourself here absolutely free of cost. We will appreciate if you can keep in touch with us.

Regards
Roxette

Roxette,
Thank you so much it was a great help just knowing that there was a place like this to get advice at and i will think about joining. Im just so busy with work and everything i just dont know if i would have the time to get in here and help anyone out like you have done for me. Well Thank you again and i will tell everyone i know about this site and how it helped me out.
Sandy

[roxette]

Pleasure is mine, Sandy

Angel here is the definition DISMISSAL WITH PREJUDICE - When a case is dismissed for good reason and the plaintiff is barred from bringing an action on the same claim. It does not mean anything bad. Its over. You won

What this means is that they realized you were right, told the court that and by dismissing with predjudice, they cannot ever bring the issue up again. Make sure you haev a copy of the order of dismissal for your records.

jj,
I do have a copy and thank you for telling me that. I know i lost some time from my job but im glad that it all over with and i will make sure that it gets reported and taken off my credit. Thank you so much for all the help i have gotten here.

Sandy

Roxette,
Is it true that when ever you pull your credit report that it takes your score down? I want to be able to find out if they take that off there and when but i dont want to lower my score anymore then it is. I know that i have a tax program that came with a free credit check and im wanting to do that but like i said dont want to hurt my score anymore then it has been in the past. Exhusband screwed it all up and now he is trying to fix it. Well any advice wold be great Thank you Sandy

[david]

Credit scores are lowered by the number of specific inquires made in your report. However, not all the inquiries can be included in that count. Ordering for a credit copy by you, your creditor or your employer does not lower the credit scores at all.

You are authorized to get a copy of your CR absolutely free once a year. After this, there are some nominal charges for each order.

David thank you very much for that information. It was very helpful.
Sandy

hello i am seeing a account that seems to be open on my credit report. I was wondering if there was any kind of way i can get that resolved

[imkimssister]

Darmaine, just so I understand you correctly, is the account just listed as 'open' but you don't have a balance or anything on it?

What you can do is contact the creditor and tell them that you wish to close the account. Exxon sent me a gas card a while back, and since I never used it, it still remained 'open' on my credit report until I wrote and told them that I wanted it closed. In my case, I didn't apply for this card, they just sent it to me and the next thing, its showing up on my credit report as open. I wrote and told them thanks but no thanks. It was closed and after contacting the credit bureaus to let them know about it, they removed it from my report. I hope I helped. shirley

You know--this brings up an interesting question. A credit card company sends you a card, you never use it OR activate it, yet it shows up on your report? why?? is it because a company issued you credit so it shows on your report? what if you didn't even ask for it and never used it, they report that you have it.
What does this do to your credit report? nothing---or good or bad??? why do they report it if its never been used? just curious.

[david]

Darmaine, you have to talk to the customer care of Asset Acceptance and get the status of this open account. Ask for any dues if it's added in it. After you have paid it off, send a letter to close the account. Insist on getting a statement in writing after the closure of the account.