Any advice to deal with Asset Acceptance

Date: Mon, 02/05/2007 - 11:34

Submitted by anonymous
on Mon, 02/05/2007 - 11:34

Posts: 202330 Credits: [Donate]

Total Replies: 2

I have been contacted by family members saying Asset Acceptance has sent letters and made phone calls looking for me. I called them a number of times, the first couple of times they would not tell me what this debt was for. The last time I called she did tell me that it was for a Mastercard ( I have never had a Mastercard ) I have now been issued a summons to appear in court. I also had checked on the Statute of Limitations for MO which for an open account is 5 years, which from what I understand this goes well over that. Back in 2004 I had been tricked into paying $75 on this debt, which may start the SOL over. If any one has advise on anything to help me in court, please let me know.
Thanks Gina

Welcome to the Community :D If you have received a summons, you

Welcome to the Community :D If you have received a summons, you need to reply to it within the time frame on the summons. The SOL starts when the last activity is on the account. If you made a payment in 2004 on the account, it would re-start the SOL, if I'm not mistaken. Send the attorney,whose collecting on this a debt validation letter,it may be too late, but it won't hurt. The important thing is that you respond in writing, and show up for the hearing. If you don't, they will grant an automatic judgement. Sometimes in your response you can put that this would cause a hardship financially for you. In some cases, they will adjust payments . Keep us posted on what happens, we are here to support you!..Karen

lrhall41

Submitted by Bossy4455 on Mon, 02/05/2007 - 11:41

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First, find out whether your last payment of $75 was posted towa

First, find out whether your last payment of $75 was posted towards this account. Since you said you never had a MasterCard account, the collection agency needs to prove in their debt validation request that your $75 payment went into this account. If this isn't done, you will easily prove in the court that you never had the account and the CA has failed to validate the account. Do all communication in writing for proof. File your papers to show up in the court.

lrhall41

Submitted by Steg on Mon, 02/05/2007 - 12:09

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