[ben]

ttthayden, did you complain against this representative at the attorney office. This is a very shameful act done by the representative especially after knowing the fact that he is contacting the wrong person.

Make sure that you report this action to the appropriate government authorities and get him out of the job.

[Taquita]

I think my sister managed to take care of it. She called them back and told them if they ever called her home again they would be hearing from her attorney.

I will check with her to make sure they have not called again. If they do, I will be sure to make sure she contacts the proper authorities! Thanks so much!

I guess it all worked out for the good though. Had they not contacted her, I would have never found this site and been able to consolidate my debts.

[roxette]

I guess it all worked out for the good though. Had they not contacted her, I would have never found this site and been able to consolidate my debts.

Well, thanks for appreciating this site. I hope that you are able to reduce your debt substantially through this program.

Regards
Roxette

[Taquita]

I think the program I am in is fantastic. Our interest rates have been lowered from 24-29% to 15-5%, depending on the creditor. We will be debt free in less than three years. I can't say enough good things about DCC!

[roxette]

ttthayden

It's nice that things are shaping nicely at your end. Hopefully, if you are able to make larger payments some time later, the tenure of the program will further get reduced.

As we are discussing about the behavior of Asset Acceptance in this thread, some of our members have interacted with a former employee of their company. Apart from the problem faced by your sister, do you have anything that needs to be clarified or discussed with their representative?

Regards
Roxette

Have you or anyone else at asset acceptance done a deletion from my credit report if I offered to pay the balance in full?

[fedupinpa]

Former Employee,
Since you worked that end of it, hopefully you won't mind answering a few questions.

What is required to show that a company purchased the debt. A copy of the bill is not a contract right? If a person request debt validation, what should they receive to ensure that the collection agency legitamitely purchased the debt? Would appreciate you answer. Thank you for coming on board.

[Tweety71]

Asset Acceptance is one of the worst (I think) collection agencies ever to be out there.....I'm glad I filed my complaints a few years ago when I did....I love it when the collection agencies come in here and try to blame us for everything. After reading all the "former" posts, I still come back to the same thing.....if this company and others were such "great" companies to deal with then why cant they follow the rules? I bet they all would have better reputations.

After paying them off an old debt to them 5 years ago, I will NEVER give them a dime again!

[SOAPLADY]

As a former collector and collection manager, this statement tells me a lot about there training.
Simple fact...a collector cannot sue. A collector cannot decide to sue anyone. A collector cannot have a "policy" unless it is a shoddy CA that allows their collectors to excercise hidden agenda's.

collection agencies technically cannot sue. Accounts have to place out with an attorney. It is the attorney who decides what and what not be sued on. Economics comes into play....in most cases accounts "recommended" to be sued on (which is actually the correct terminology). Any collector who uses the phase "I will sue you" is in violation of
§ 807. False or misleading representations [15 USC 1692e], (3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

Asset X Employee...you are really kidding yourself. I have personally heard serveral horrific recordings of Asset employees abusing debtors. Post 9/11 a lot of people suffered economic and job loss. I helped two individuals from another board bust asset...both received settlements after recording multiple abusive and fdcpa violating calls. My own husband lost his job a year after 9/11. I took great joy at depositing a check from Asset for over $5K into our joint checking account. So don't tell me Asset follows the law! In one 3 minute call, we had 9 violations of FDCPA. In a second 5 minute call which included 2 collectors and a supervisor, we had 11 violations! To quote the Mastercard ads...Recording a collection call....Priceless!

[cajunbulldog]

I agree with soaplady. A collector has no authority to sue anyone. To sue as a company,you would have to give file to attorney and they would make decision to sue.

On another opinion,your firm has one of the worst reputations of all the collections agencies operating.
I really cannot see how you can come here claiming to be an exemployee stating that they follow the law.

I can post case #'s from my pacer account if you wish to dispute this.

[Tweety71]

Very well put Soaplady! Good for you!

[cajunbulldog]

1 asset acceptance llc flmdce 6:2006cv00332 03/16/2006 480
2 ASSET ACCEPTANCE LLC cacdce 8:2006cv00515 05/31/2006 480 12/18/2006
3 ASSET ACCEPTANCE LLC ohsdce 1:2006cv00735 10/31/2006 480
4 ASSET ACCEPTANCE LLC ohndce 1:2006cv00918 04/17/2006 480
5 ASSET ACCEPTANCE LLC cacdce 5:2006cv01152 10/18/2006 480
6 ASSET ACCEPTANCE LLC ohndce 3:2006cv01178 05/11/2006 480 06/27/2006
7 ASSET ACCEPTANCE, L.L.C. miwdce 1:2006cv00198 03/20/2006 480 07/10/2006
8 ASSET ACCEPTANCE, L.L.C. txwdce 1:2006cv01010 12/29/2006 480
9 ASSET ACCEPTANCE, LLC nywdce 1:2007cv00021 01/11/2007 480
10 ASSET ACCEPTANCE, LLC ohndce 1:2007cv00092 01/12/2007 480
11 ASSET ACCEPTANCE, LLC casdce 3:2007cv00094 01/12/2007 480
12 ASSET ACCEPTANCE, LLC miwdce 1:2006cv00214 03/28/2006 480 07/17/2006
13 ASSET ACCEPTANCE, LLC miwdce 1:2006cv00402 06/08/2006 480 07/31/2006
14 ASSET ACCEPTANCE, LLC flmdce 3:2006cv00427 05/10/2006 480 07/20/2006
15 ASSET ACCEPTANCE, LLC miwdce 1:2006cv00440 06/22/2006 480 12/08/2006
16 ASSET ACCEPTANCE, LLC insdce 1:2006cv00445 03/16/2006 480 09/05/2006
17 ASSET ACCEPTANCE, LLC miwdce 1:2006cv00510 07/20/2006 480 09/22/2006
18 ASSET ACCEPTANCE, LLC miwdce 1:2006cv00587 08/16/2006 480 10/02/2006
19 ASSET ACCEPTANCE cacdce 8:2007cv00197 02/16/2007 480
20 ASSET ACCEPTANCE CAPITAL CORP. miwdce 1:2006cv00198 03/20/2006 480 07/10/2006
21 ASSET ACCEPTANCE CAPITAL CORP. miwdce 1:2006cv00214 03/28/2006 480 07/17/2006
22 ASSET ACCEPTANCE CAPITAL CORP. nysdce 1:2006cv13271 11/16/2006 480
23 ASSET ACCEPTANCE CORP. almdce 2:2007cv00041 01/12/2007 480
24 ASSET ACCEPTANCE CORP. candce 3:2007cv00648 01/31/2007 480
25 ASSET ACCEPTANCE CORPORATION ohndce 1:2007cv00091 01/12/2007 480 01/12/2007
26 ASSET ACCEPTANCE L. L. C. miedce 2:2006cv15600 12/14/2006 480
27 ASSET ACCEPTANCE L.L.C. iasdce 3:2006cv00144 12/31/2006 480
28 ASSET ACCEPTANCE LLC inndce 2:2007cv00015 01/19/2007 480
29 ASSET ACCEPTANCE LLC mndce 0:2006cv03551 09/01/2006 480 09/15/2006
30 ASSET ACCEPTANCE LLC ilndce 1:2006cv04199 08/03/2006 480 10/25/2006
31 ASSET ACCEPTANCE LLC ilndce 1:2006cv06445 11/27/2006 480
32 ASSET ACCEPTANCE OF MICHIGAN, L. L. C. miedce 2:2006cv15355 11/30/2006 480
33 ASSET ACCEPTANCE, L. L. C. miedce 2:2006cv15355 11/30/2006 480
34 ASSET ACCEPTANCE, LLC ohndce 5:2006cv01035 02/21/2007 480
35 ASSET ACCEPTANCE, LLC ilndce 1:2006cv01601 03/22/2006 480 06/26/2006
36 ASSET ACCEPTANCE, LLC alndce 2:2006cv01731 09/01/2006 480
37 ASSET ACCEPTANCE, LLC codce 1:2006cv01869 09/19/2006 480
38 ASSET ACCEPTANCE, LLC gandce 1:2006cv02070 08/30/2006 480
39 ASSET ACCEPTANCE, LLC ohndce 1:2006cv02454 10/11/2006 480 02/01/2007
40 ASSET ACCEPTANCE, LLC mndce 0:2006cv03349 08/16/2006 480 11/16/2006
41 ASSET ACCEPTANCE, LLC ilndce 1:2006cv03527 06/29/2006 480 10/02/2006
42 ASSET ACCEPTANCE, LLC ilndce 1:2006cv04113 07/28/2006 480 10/30/2006
43 ASSET ACCEPTANCE, LLC ilndce 1:2006cv06587 11/29/2006 480
44 ASSET ACCEPTANCE, LLC nysdce 1:2006cv13271 11/16/2006 480
45 ASSET ACCEPTANCE, LLC. candce 3:2007cv00648 01/31/2007 480

List of federal lawsuits against this company just under credit& collection. Please note this is just in the past year.

Can you say someone is breaking the rules!

Wow! What about National Credit Adjusters and Bass and Assoc Cajun? Find anything on them?

[cajunbulldog]

Guest I posted case search on Nca in the Nca thread.Gonna checkout Bass next.Gotta love pacer account.

ASSet reaged an account, they claim as being mine. I say it's not mine becasue my original credit card balance was on 4999 and now, the ASSet people say I owe 12,567. I am not going to pay. The debt is SOL(if it is mine)AND...my account should fall off my credit report in 2008, but they say 2110. I am hiring a lawyer to sue.

Thanks for your posts Cajun. Also, the problem I believe is not just violations of the fdcpa. Many of these collectors call areas such a Texas, ignorant of state law. They threaten to "garnish your wages", when in fact wages cannot be garnished in such areas except for child support, student loans, etc. I found it funny that the original poster said that his company was "listed with the BBB". Enron probably was as well.