Wife recently began receiving calls from Asset Acceptance
Date: Sat, 12/30/2006 - 12:45
My wife recently began receiving phone calls from asset acceptance llc regarding a debt we have no idea about. We then received a letter stating the same accusation made by the person who called. In response, I sent a letter requesting "debt validation", which I've used in a similar situation for myself with another collection scam. Asset Acceptance LLC responded by letter with a one page "Account Statement" that lists my wife's name, amount owed, interest accumulated, and balance owed. It looks like a document I could've created in Microsoft Word in about 10 minutes. Is this letter a true "validation" of debt?? How do I get these people to leave us alone? We do not owe them this debt!
Thanks,
Steve
They need to let you know which original company you owed to beg
They need to let you know which original company you owed to begin with.
Write to them again, and let them know that the account statement was not sufficient and you are disputing the information.
Asset is known to be a pain in the neck. Check your credit reports also to see if it's listed on there.
Asset Acceptance LLC
Thanks Jessi,
Do I need to request any other specific information other than the original company name in my response? This is what I original sent them in my debt validation letter:
Quote:
To Whom It May Concern: This letter is regarding asset acceptance llc Account # xxxx, which you claim I owe. This is not a refusal to pay, but a notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting "validation"; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe is a violation of the Fair Credit Reporting Act; therefore if you cannot validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. If you no longer own this debt, remove the derogatory marks from my credit report per the FCRA. Failure to respond within 30 days of receipt of this certified letter will result in legal action against your company. I will be seeking a minimum of $5,000 in damages for: 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. |
Your credit reprot normaly has the original creditor listed some
Your credit reprot normaly has the original creditor listed somewhere near the account even if it is reported by a collection agency. Even if a debt has been sold.
There is no time limit by law in which they have to respond to any validation I believe.
And it's only 1,000 per violation not 1,750.
If it isn't a credit card debt or something that you actualy had to sign you somehting it will not have a signature either. Asset Acceptance handels a wide variety of debt from a telephone bill to Bally's Fitness.
