I just looked at my credit report to find that I have a debt of $438.00 owed to Superior Asset Management on behalf of T-Mobile. I have never had a T-Mobile account. I contacted T-Mobile, and they said they showed an account from 2002 and gave the name of a collection agency called Plaza Associates that now had my account. When I contacted PLaza Associates, they had no record of this account. The date that the item was opened on my account from Superior Asset Management is September of 2003, and I was not even in the country or in a country that has mobile service. I am so agrivated as to what is going on. I don't know what to do.

[email removed as per forum rules-Vikas]

[ben]

Audra, ask Superior Asset Management to validate the debt. debt validation will help you to get a true picture of your debt so that you can make necessary payment arrangements.

They are legally required to provide complete information of the said debt and till that debt has been proven, you are not legally required to pay it.

To know more on debt validation and your legal rights, you can check the article given below.

http://www.debtconsolidationcare.com/validation.html

Oh my God! I didn't know that a lot of people have been having the same problem as I am. I checked my credit report online because i'm in the process of buying a home. I found out that i apparently had a delinquent account from T-Mobile which got transferred to SAM. I sent dispute letters to SAM, Equifax, Transunion, and Experian through certified mail with a return receipt service. SOmebody did receive my letter from SAM but i haven't heard from anybody since Sept 14. I tried calling them but i couldn't get through. Experian won't block my negative item on my credit report. I'm desperate and I don't know what to do. Can anybody tell me what's step should i take next?

Ruth

[LCW]

Ok, so out of curiosity I made a Freedom of Information Act(FOIA) Request to the FTC on Superior Asset Management. The way this works is you send a request letter to the FTC (or what ever agency you want information from) and tell them the kind of information you are looking for. If they have any records that match your criteria they will give you the first 100 pages for free. Then they charge for each additional page (I think its somewhere between two and ten cents per page). You can tell them how much you are willing to spend. FI the requested information exceeds that amount, they will call you first. At this point you can either tell them to proceed as requested, change the amount of information requested, or cancell your request all together.

I requested any information relating to a FTC investigation into SAM between 1999 and 2005. I received a call from the FTC the other day. All that information would have been $120.00. To reduce that time frame to 2003-2005 was $90.00 and for 2004-2005 was $70.00. This leads me to beleive they have drastcally changed their procedures in the last three years as ther priuce didn't change drastically as the time fram was reduced. Once I get the information and have a chance to look over it, I will post what I find.

My plan is to contact T-Mobile directly with the information and ask them to recall the account and work with them to settle the account. Hopefully the information that thier contractor is repeatedly violating federal laws will make them think twice about referring future business to SAM.

For what its worth, I really don't want to pay t-mobile a dime as I feel they failed to provide service as promised, and failed to responde in a timely manner to complaints. There are also some billing issues they refused to address.

I too had SAM come after me for a T-Mobile account. I was in the middle of refinancing and they would not let me till I settled the collections account.

I tried to explain to SAM that there shouldn't be a dept, but I could never get a hold of anyone. I ended up paying it so I could refinance.

The dept is still on my credit marked as paid. This is still really bad for my credit score right?

MY Question:
I am willing to take legal action, but is it too late since I already paid? Do I still have a chance? Is it really worth it? I will go the distance to get rid of this, but is that going to be far enough? Can it be done?


-WDL

(I guess I am releaved that I am not the only one. Thank God for the internet.)
(I look forward to hearing what Clay has to say about the FTC info)

[roxette]

Hi Ruth

Welcome to the forums.

There is a law as per the fdcpa that if the debt is not proven by the collection agency and still it is reported to the credit bureaus then you can take legal actions under FDCPA Section 807(8) and sue them up to $1,000.

Do you have the CMRRR receipt number of the letters you earlier sent to Superior Asset Management? Gather all the paperwork and take the legal help of your attorney. I hope that you should be positively able to see some results in your case.

I had sent a letter requesting Superior Asset Management to acknowledge a debt I owed them along with a check trying to pay off the debt and it was returned as "return to sender attempted- not known at this address". The address given me was 18167 U.S. Hwy 19 N, Clearwater, Fla 33764. Can anyone help me to get a current address? Also, I have never heard from them that my creditor had turned over this to them. I learned about this when we went to refinance our home and they had put a judgement on our credit report.

[ben]

You can also contact them at:

Superior Asset Management
Fort Walton Beach Florida
USA


PO Box 596
Fort Walton Beach, FL 325490596

Keep your last return receipt in safe place. You will be required to prove that you made the efforts to contact them.

Thanks Roxette for responding. Yes, I do have all the receipts and the copies of the letter i sent together with all the required attachments like ID theft affidavit, police reports and utility bills to prove that i have been living in my present address when the ID theft occurred. A couple of questions though. As i was reading all the posted messages about SAM, i noticed that all of them didn't have any success of deleting the negative item on their credit report. What are my chances that SAM will fix my credit report should i get a lawyer to help me dispute the charges? Have somebody tried to get the media involved to get SAM's attention? I mean, i don't know a lot about laws and stuff but from what we've all been through, SAM should be penalized for violating our rights.
Thanks again!

[roxette]

Ruth

There is a law as per the Fair Debt Collection Practices Act that if a debt is disputed and the collection agency fails to report it disputed to the credit bureaus, you can take legal actions against them under fdcpa Section 807(8). You can sue them up to $1,000 for the damage caused to you.

You can discuss this matter with your attorney and he will fight towards settling this matter. The incidence that has happened with you is against the law and you should get compensated for it.

If you face any problems, please don't to hesitate to ask us. We all wish for your better.

Regards
Roxette

I just called them, and the experience was unbelievable. First they asked how they can direct my call, directing me to someone 3 times who asked how they can direct my call. Then, without listening to me began telling me about someone else's account wiht T-Mobile. I was calling per a letter I received for my AT&T Wireless. Never had T-Mobile. Then they began telling me ways I can pay it without listening to me saying that it wasn't my account they were reciting. Absolutely unbelievable. If I can deal with them by phone, then how can I trust sending a letter?

[roxette]

Jackie

Written communication has stronger approach than verbal communication. Of course, it will become more powerful when you send it through certified mail with return receipt requested. The CMRRR serial number along with the copy of your letter will help in proving that you wished to clear the debt but you have not received the necessary information until now.

Regards
Roxette

As many previous consumers, we found a collection from SAM posted this year in March on a credit report we pulled in September when we were purchasing a house. Letter was sent, disputing the info as well as disputes to the credit agencies. SAM "validated" the debt to the agencies but is unable to provide proff of anything. No response from them has been recieved within the 30 days. Next steps??

[roxette]

Hi jeffrey

Welcome to the forums.

Since the debt has not been validated and is disputed, you can force the agency to remove the negative information from your credit report. Under the fdcpa law Section 807( 8 ), they will have to remove it if it is disputed and still reported to the bureaus. You can take legal help and recover the charge of the damage caused.

Regards
Roxette

Well, Roxatte, many of us are unwilling to pay it because the accounts are fraudulent (in my case a two month T-Mobile account). I am wondering why I've never received any communication from Superior Asset Mgt. regarding this collection. My address should be essentially public information, so a simple mail notification would be none too difficult. I will give them the benefit of the doubt until I contact them, but I'm not too encouraged by the current string. I will update later of my experiences with SAM.

THE CURRENT TOLL FREE PHONE # OF SUPERIOR ASSET MANAGEMENT IS: 1-800-895-2989

(this info. provided me today by T-Mobile. I left a message on a voicemail device)

[roxette]

Hi RR,

You and many other are unwilling to pay the debt because of the simple fact that it either does not belong to you or is disputed. In this case, not paying the debt is quite obvious.

But those who have a past debt and wish to pay are even not able to do so because they are not given the details of their debt. It becomes quite tough on such times when you are asked to pay on something that is not having the complete information.

In such times, you have to use your consumer rights as per the fdcpa law and get things removed from your credit report which are bound not to appear.

Regards
Roxette