should I put in attention to (the name of the debt colletor officer) or only asset acceptance?
Also, contract was "signed" in 99 and in my CR says 2002. Why is that? Is it when AA bought or was assign the debt? If when signed I didn't provide a SSN, how did they get to my CR and got my SSN? Since when this happened in 99 I didn't speak english, doesn't mean the contract is unconcious, void, or unenforcable? thanks

[roxette]

Hi gioziggy

Welcome to the forums. In your credit report, your account should have been 1999 and not 2002. Also, since they have retrieved your SSN without your knowledge, please take legal help.

Please let us know the course of your action.

Regards
Roxette

[img]/forums/attachments//bsm1_194.jpg[/img]
how do I do that? Do I request them how did they get my SSN? Thanks

[roxette]

Hi gioziggy

Welcome back. Please look into the following thread to know the answer to your post.

http://www.debtconsolidationcare.com...about2488.html

Regards
Roxette

Hi, I was searching for stuff on LLC and found your site. I was notified by my credit watch company that new negative entries had hit my report. It was for Asset Acceptane LLC. Then today another entry popped up from them for the same amount. I do not know who these people are or what debt they think they are trying to collect. I have typed out the letter on your site to send to them but reading through your letters it appears that they don't respond. What should I do?

[roxette]

Hi rntami

Welcome to the forums. Firstly, it is necessary to acquire credit report from all the three bureaus to know the accurate details of all the entries. Sometimes, there might be errors in the report of a particular credit bureau.

After you have all the three credit reports, compare each of them and check the name of your creditors who have sold your accounts to the collection agencies.

Apart from sending debt validation letters to the Asset Company, you can also contact your creditors to know the origin of the said debt. If they can provide you the accurate details, you can negotiate with them for a better payment plan. If the creditors also cannot report anything about the negative entries, you can dispute it with the credit bureau for the deletion of the negative entries.

If the credit bureaus also delay in taking necessary steps, you can contact the FTC for getting the needful done.

Hopefully, you will take necessary steps to clean the negative entries from your credit report as this is one of your most prestigious financial documents. Please let us know the course of your action.

Regards
Roxette

[img]/forums/attachments//bsm1_605.jpg[/img]Â*Â*Â*
Hi Roxette:
I received a response from arrow financial services regarding my complaint to the Better Business Bureau. They were the agency who created the fictional amount due, then sold it to asset acceptance llc. They claim they were within their rights, referring to an account number, which represents...you guessed it the Bally's amount due (which they invented). Here is my response:
Dear Ms. Novak:
I am in receipt of your June 7th correspondence. I would find your response laughable if it were not for the seriousness of this matter. The above file number refers to a supposed Bally's Health Spa debt, in the amount of $1619.44, which was invented by your company. Once again, I have not had an account with Bally's since 1992. To my knowledge, I have never owed money to them. I have never received a demand from Bally's for said amount due, nor has any amount shown up on previous credit reports.
In addition, your company's representation that this account is in collection is fraudulent, because it has exceeded the statute of limitations of 7 years, as stated in the FCRA. Furthermore, this claim is also in direct violation of California State code CC Section 1812.88, in which a health spa must advise me that a debt is being assigned for collection. None was ever issued.
Last year, after I received the initial demand for payment of said debt, I received a series of harassing telephone calls from your agency. Fortunately, I saw a news program on KCBC TV which reported this type of claim as a scam. As I understand it, certain unscrupulous collection agencies have preyed upon and collected sums of money from many innocent victims, representing bogus claims such as this one. According to the report, these agencies are under investigation by the consumer fraud division of the FTC. Since I am a senior citizen, I must have seemed like easy prey.
I value my good credit rating and feel my good name has been besmirched by your company and Asset Acceptance LLC (whom you sold the account to). I am in the process of purchasing a new home and these fraudulent inquiries have caused my credit score to suffer. I might remind you of FCRA § 619. [15 U.S.C. § 1681q] - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.
In addition to the BBB, I have filed complaints with the California Attorney General and the Federal Trade Commission. Upon investigation, I have discovered a series of complaints against your agency. Please be advised, I am currently seeking legal counsel on this matter. If I do decide to proceed in this matter, I intend to seek remedy to the fullest extent of the law

[roxette]

Hi larbabe

Good to hear from you back.

You definitely sound to be in the stronger side. Please make sure that you request a return request of this correspondence.

I am sure that the judge will not be able to deny the fact and therefore declare your claim to be authentic.

Please inform us after you have won the case. I prey for your victory.

Regards
Roxette

Asset Acceptance is being calling me and harrassing me for over a year ..and just before the SOL is over they finally sue me ...Pretrial was just 2 days ago
Im in the process of sending that letter in your site to get debt validation. Thanks for publishing it.
When I told that i needed full validation and prove that SOL stands; the ASSet lawyer told me that they could get the Bookeeper to testify as proof ( I mean is First USA bookeeper coming down to FLorida to do that ???)
Well, anyway I must get a lawyer because this is getting "Ugly" ...
Any advice??? I'll post updates later on ...

[roxette]

HI vaneyric

Welcome to the forums. Please make sure that they validate your debt as it is your legal right to know the origin of the debt. However, you must make sure that they provide you the following things.

• Proof that the collection company owns the debt/or has been assigned the debt. (Is The CA legally entitled to collect this particular debt from you?) This is basic contract law.
  
• Complete payment history, starting with the original creditor. (You need to have proof of your payment history with the OC, what the amount of the debt was when The OC assigned the debt to the CA, and what fees/interest the CA has tacked on to this debt and how they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..
  
• Copy of the original signed loan agreement or credit card application. (Your contract with the OC establishing the debt between you.) This is also basic contract law.

Asking for debt validation is not a "CLAIM" you do not owe the debt, but a request for proof of what you do owe.

A very important distinction....

Lets say I sent you a bill as a CA for a old Medical Claim saying you Owe me 5,000.00 for it. Are you going to pay it blindly...the CA hopes so, but things to think about...?

How much was the original Bill for in the first place.

How much of it did the insurance pay?

Did they submit it in a timely manner to the insurance Company? (MOST Insurance Companies have a "timely" submission clause that if it's not submitted in time it wont get process and they cant hold the insured liable for their error)

After all Insurance payments, how much of this is not fees? Interest?

Is debt being collected legally? (In SOL, is CA licensed to pirate in your state..etc)

So debt validation is a very IMPORTANT tool to use at ANY TIME!

Regarding the bookkeeper, you do not need to worry about it as they just are trying to harass you and build a fear so that you start paying them at their wish.

Please inform us of the latest course of your action.

Regards
Roxette

I got a phone call yesterday from Assest Acceptance regarding a Bank Of America loan I supposedly had in 1993 (12 years ago) which I didn't pay. The first man I talked to was extremely rude and I asked 3 times for the account number of loan supposed loan and proof I owed the debt, he hung up on me. I called back 3 times and was transferred around with no luck, I advised them I was giving the information to my attorney and they laughed at me. I have fortunately gathered all of the information on phone numbers, CEO's and physical and P.O. Box addresses then came across this site, glad to have found it. I too will contact the BBB in their area. Good Luck everyone. Oh one more thing, I looked at financial information for the company and it looks like they are having financial trouble, maybe that it why they are being extra nasty.

[roxette]

Hi Flabbergasted

Welcome to the forums. It is really very nice to hear that you have gathered some useful information in this site. The hard work given by the community members over here has eroded a lot of debt problems of the consumers and they are trying to lead a happy life.

In your post, I find that your supposed debt is 12 years old and therefore the Statute of Limitation for collection of this debt has relatively expired. Therefore, on such grounds, the collection agency cannot force you to pay the said debt.

When asked to validate the debt, they were reluctant in responding you meaning that they don't have the accurate data of the debt that they claim. In no circumstances, you are required to pay it unless you know the details of your debt legally.

You can send one written letter to them stating that they are further stopped from calling you by phone. Breaking of this law will be violation of the fdcpa rights to the consumers and you will legally sue them up to $1000 by entering into a lawsuit.

You can also tell them that you are tape recording all the telephonic communication and it will serve as an evidence to support your case in the court.

Regards
Roxette

I am so glad that I found this site. I thought I was alone with the headaches of asset acceptance llc. I am also lucky enough (sarcasm) to also be involved with Emerge Visa and their shananigans.
About a year ago I started receiving letters from Asset Acceptance for a Levitz account that I opened 18 years before. This account had been charged off in a bankruptcy that I declared back in 1990. As I have moved around a great deal and have lived in different states I was amazed that they had even been able to track me down! Since it was so long ago AND had been discharged in the bankruptcy, I ignored them. Periodically I would still receive the letters offering me a discount on the amount owed which I threw in the trash. Now, however, they have somehow found out my cell phone number and have started to leave me automated voice mail messages which cost me minutes on my phone. How can a company come along and "legally" bother me like this after all these years, after filing bankruptcy. I LIVED through the 10 years of the bankruptcy stigma, now, these people come along and throw things into my list of "things" to do or "take care of"?? This is SO unfair to disrupt my life like this and give me stress. I'm almost afraid to check with the credit bureau's to see if these idiots have affected my credit I have worked so hard and long to repair.
If you can advise me as to how to deal with them and how to help put them out of business, I would appreciate it and will do what ever is necessary to keep them from bothering other innocent people.
Thank You,
DD

[roxette]

Hi dd

Welcome to the forums. It is a nice feeling to have a new guest like you in this platform and appreciating the hard work in this site. We wish to reach every corner through our hard work and aware the people of their legal rights. We earnestly aim to serve the people in those times when debts are worrying the most.

After reading your post, I really feel very sorry that you underwent the pain of filing bankruptcy for so many years. If at all possible, live to what is required and not to what is desired. I am redirecting your thoughts to a planned budget which is basically the ideal factor for a happy living. I am anticipating that you must have learnt from the mistakes that you made in the past for which you had to pay the price of filing bankruptcy. And presume that you will never commit the past mistakes in the future.

Now, Asset Acceptance is really making life of the innocent people miserable. If you research this forum, then you will be able to realize how unfair these people are to the common mass who work hard to solve their debt problems.

Focusing in your case, there is no reason for contacting you after bankruptcy has been filed which legally means that no creditor or collector can contact you for recovering the said debt. Otherwise, why will a person make such a dreadful decision? Moreover, if they are unaware of this fact, then they should be aware that your debt has well crossed the lines of SOL period. So, under no circumstances at all, they are required to contact you for the said debt.

Please file a case against them at the FTC and the State Attorney General office with your cause and request them to take necessary action as soon as possible. I guess that Asset Acceptance has so many complaints against them that their days of business can be counted.

Please let me know if I can do anything from my end for you.

Regards
Roxette

I just received a letter from this company requesting payment for debt that is unknown to me. I sent them of copy of the letter from this section. I also took the letter, "bill", and a copy of our CR to our legal office. I did make the mistake of calling the number on the "bill" requesting a return phone call. Following all of my research online, I will not be accepting telephone calls from them. I am going about this the right way, and what have I forgotten to do.

Thanks!!

[roxette]

Hi AFarmer

Welcome to the forums. You have dealing with your debt collector in the right way by asking them to validate the debt. Make sure that all your correspondence with them is done in written so that you have a valid proof of your effort made for the payment.

If they fail to validate the debt, it will mean that they are trying to misrepresent your account. The details that they will provide about your account will include the following particulars:

• The details of the account.
  
• All the calculation should be shown of the amount that is owed.
  
• Any copies of the papers to be furnished that shows the payment agreement.
  
• Provide a verification or copy of any judgment if applicable
  
• The original creditor needs to be identified.
  
• The Statute of Limitation needs to be proven for the collection of the debt.
  
• The license of the collection agency applicable in the state is to be furnished along with the license numbers and Registered Agent
  
• Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.
  
• Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.
  
• A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.

If at any point of time, you face any problem while dealing with your debt collector, do let us know in the forum. The community will help you in the right way to deal with them.

Regards
Roxette