Rec'd a nasty phone call on a phone that is not mine but belongs to another person in the same house from
Asset Acceptance LLC. I do not have a phone of any kind. I answered the call because the person was sick and had gone to bed early, has a phone by the bed, and didn't want her to be disturbed. She is an old lady.
The debt collector stated that the alleged debt was from 1988. I said in twenty years this is the first time I have ever been contacted about said debt. It must be a mistake. The abusive yelling, screaming assault began to where communication was impossible. I finally got a word in edgewise to say that if she did not change her attitude I would not talk to her. She went on screaming, raging that there was nothing wrong with her attitude, that she did not have an attitude, this as loud and as demonic sounding as could be. I hung up. It has been said on this forum that it is illegal to hang up, however I would argue that under that kind of abusive situation it could not possibly be illegal, however I do not know how the law reads. At the time of the call I did not know it was illegal to hang up.
I did earlier on in the phone conversation say "prove it." I think that was what started the yelling. A few days later I received in the mail two sheets of their letterhead with little information. It sited Chase Manhattan as the creditor and an account # I didn't recognize at all. I've never had a loan, only used credit cards which are 16 digit numbers. This acct. # has 9 digits. Besides that info, the letter shows the last 4 digits of my ss#, the balance, my address and where to send payment.
The other paper is supposedly validation which only includes the name of the original creditor and the alleged original account #.
Nowhere is there any information regarding disputing the claim, or legal rights, time periods, etc.
On the phone the screaming lady said that she had documentation from Chase Manhattan directly. That seemed like a fraudulent statement, as I know creditors do not wait 20 years to write off a debt and send it to a collection agency. Nor did she send a copy of this alleged document.
In my case, My personal info is the right person but the alleged debt acct.# seems to me to be a mistake or made up fraudulently.
How does the fact that this is 20 years old affect what I should do in response, and that I think this is fraud or a mistake? How should I go about this? What should I do? Also note that the date of origin does not appear anywhere on either of the two pages sent to me. It was only told to me verbally over the phone, (which is not my phone.)
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