ASSET ACCEPTANCE AND MY CREDIT REPORT

I say let them hang themselves a bit more. Give it some time, then send another letter, mentioning the violation (and any others they may have committed by them). You can even phone them and record the conversation, get them admitting they don't have any validation, or better yet, that they don't have to provide it, then you have them in quite a spot if you took them to court,.

I think I would rather stick to doing everything thru the mail. The recording of phone calls would be difficult depending on where I am at if they would happen to call.

re-read your letter you sent...

Oh, look. The shill's back. [yawn]

Why should I have to re-read it bearah_ha87? It just states for them to validate the debt that they have. I have the right to do that. I am not scared of you and all these money hungry debt collectors. I just want it validated properly. If you would take the time out and read what I first posted on this topic you would see why I want it validated. If the account is mine then I will pay it off. I just know that I am not putting money into something that I know is a scam or is a mix-up on someone else's end. I work hard for my money just like the next person. Stop trying to belittle people because this forum is a site of hope for people who want knowledge. What is so wrong with that? Aren't we as people supposed to grow? I bet you are the type to sit back and laugh at people who are trying to better themselves but get tenacious when they try to feed their brain with more knowledge. You don't know me and what I go thru on a daily basis so if I want to validate an account then that is my right to do so.

Don't let him get ya worked up there, James. It's not worth your time, my friend.

i never said you didnt have the right to do so.. 1st of all i never even said i was a debt collector! and btw im female.. i have read the whole forum.. as well as the letter you forged to asset.. it says no phone contact.. not anything about mail.. your contradicting yourself and need to be more clear about your wishes if you want anyone to help you.. i deal with collection companies on a daily basis and yes, was in your shoes at one time.. so no ones belittling anyone or "bulling' or what ever else you would like to cry wolf about..
-if i was a debt collector i would definatly love to harass you though.. u get this riled up in an online forum.. id love to see what you would say if u had the balls to talk to them in person! ;-)

Piss off, shill.

Do not attack member in this forum, it will not be tolerated.

Also, for your educational benefit. Per fdcpa a consumer has the right to limit the manner in which a collection agency may contact them. They may specify what numbers to not contact them at (such as work, cell phone), limit their contact through USPS only, or for them not to contact them at all if the request is submitted in writing.

TRUST ME JCEMT ALL MY CONTACT WILL BE THRU MAIL ONLY. I CANNOT DEAL WITH THESE PEOPLE OVER THE PHONE.

You have the right to make it so.

wolf- get a life and grow up.. i would be ashamed if i came even remotly close to your maturity level..

JCEMT- whos attacking anyone? if you would like to preach your in the wrong forum..

And posting bad advice is mature? Fascinating.......

id love to see what you would say if u had the balls to talk to them in person!

That is a post of an attacking nature.

Also your point eludes me, why would you tell me I'm in the wrong forum? I think I'm in the right forum, we are discussing collection agencies and I am discussing topics pertaining to the fdcpa. It seems to be the right forum to me.

I notice SHE never responded to my post..I wasn't attacking, just pointing out the inconsistencies and downright wrong information. Curious that she never responded.

Trollin', trollin', trollin'
Keep them trolls a'rollin'....

I received my DV letter from Asset Acceptance and I am totally disappointed. It only states the original creditor and original account, my name, the balance on the Asset account, my address, and my last 4 digits to my SSN. This is clearly a brief DV letter. I wanted one more detailed. Should I contact the original creditor myself to see if I can find some more info on it (i.e. transactions, open account date, where this card was used)? They clearly didnt take my letter seriously because after the validation they are still trying to collect payments on this account. I refuse until I see some more information. The balance is horrific. It is a whooping $7276.41. Thats a used car for me.

What this clearly is, James, is a blatant attempt to sidestep validation entirely. That's about par for the course with Asset, from what I understand.

Lemme guess... It's something they printed up in-house, right? Maybe on their own letterhead? That doesn't make the grade for validation, my friend. Proper validation requires the collector to obtain documentation from the original creditor, then send it to you. See this FTC opinion letter for a good explanation. In your place, I wouldn't worry about contacting the OC, unless the OC is contacting you. Asset likely bought the account from the OC. The OC probably doesn't have anything on it anymore. If Asset could have gotten the info from the OC as required by law, they likely would have.

Document their continued collection activity carefully. Continuing to pursue collection activity without providing proper validation is an fdcpa violation. You can sue for that, BTW.

Great info UncleWulf. You are the best.....

Luv ya, Unc...
I don't moderate in this forum, so I can't delete posts or lock this thread, but let me remind everyone of the terms of service: Attacking posts of any kind will not be tolerated. We are here to help each other get out of debt--and will absolutely not tolerate anyone bashing anyone else.
If a collector has something helpful to add to the discussion, we will welcome them, otherwise we ask that they stay away. Posts like "just suck it up and pay your bills, lowlife", are definately not welcome here.

And yes the validation was printed on their letterhead. It was very simple and brief.

[quote=kscornell]Luv ya, Unc...[/quote]

:oops:

[quote=kscornell]I don't moderate in this forum, so I can't delete posts or lock this thread, but let me remind everyone of the terms of service: Attacking posts of any kind will not be tolerated. We are here to help each other get out of debt--and will absolutely not tolerate anyone bashing anyone else.
If a collector has something helpful to add to the discussion, we will welcome them, otherwise we ask that they stay away. Posts like "just suck it up and pay your bills, lowlife", are definately not welcome here[/quote]

There are, indeed, some posts in this thread that should probably be deleted. (Hopefully, none of mine... ) But I would hope that the mods would find some manner of dealing with the problem other than by locking this thread. James seems to be benefitting from it. Which, after all, is the entire reason we're all here.


My $.03 (adjusted for inflation...)

Wulf

[quote=jamesellis1982]And yes the validation was printed on their letterhead. It was very simple and brief.[/quote]

Ahh!!!! I'm psychotic! I read minds!!

Doesn't look much like what's stipulated in the Wollman letter, does it?

It sure doesn't Wulf. It isn't detailed at all. I will just send another validation letter to them to see if I can get some kind of clarification because this is ridiculous. They dont even show up on my credit report and they are still trying to collect....

Did you send them the validation letter that was under the community resources topic with the enclosure?

That would be this one, James:

http://www.debtconsolidationcare.com/collection-agencies/better-structure.html

The Wollman FTC letter is the enclosure that goes with it. It's JCEMT's letter, so he obviously likes it. I've used it myself with good results, so I'm kind of fond of it as well.

prob no one never responded to goldenbast because of the Wicca witchcraft deal..bad karma type of thing....I wouldn't ever relate to this and can see why no one else would

Guest, you need to leave this alone. Do not attack others, especially in such a discriminatory manner. Such attacks will not be tolerated.

??
Well... Another freak heard from.

??
Nope, sorry, no cigar! They didn't respond because I was...*gasp* R I G H T. :)

:lol: :lol: :lol:

I used the DV letter from this site but I didnt use the enclosure.

OK, I would suggest sending the enclosure however. It services as a polite reminder of what not to use in validation, like computer generated fluff that they cooked up in house.

Ok JCEMT. I will do so when I send another DV letter. If I dont get what I ask for this time then I will be making some complaints to the FTC and the Attorney General of Louisiana.

Sounds like a good deal James, if you need any further assistance from us just let us know.

Also if you could keep us posted, that would be great.

Since the last time I posted I havent heard anything else from Asset Acceptance. That very brief debt validation letter that they sent me was very disappointing b/c thats not what I wanted. They havent called or sent letters since then. How long should I wait until I send another letter to them stating for proper debt validation?

You could do so if you wish to remind them of their obligation. However they know what they have to produce.

I would pay what I owe but I have bit of a problem. I found out that my own father has been using my social security number. This is why I need proper validation. I have no contact with him to ask him about it. Trust and believe I am not trying to back out of paying. I am not about to pay an account thats not for me.

start the day with a troll.nice attack of goldenblast.that will get you deleted faster than your troll head could spin.

if your dad truely is using your social to obtain credit then it would be considered identity theft and a police report should be filled out.. the police will investigate it further.. do you have any supporting evidence he has been using it?

Yeah he used it last year to get some lights turned on. So now I am dealing with a utility company to complete this fraud report so they can take it off of my credit report. Thats the reason why I need Asset to validate it correctly. Like I posted earlier all of my credit card info was lost due to Hurricane Katrina. So I was using my credit report as a guide to see what I did and didnt owe. All Asset has to do is show me the signature of the credit card agreement or something stating that I actually used the card. I really dont remember having a Discover card. It was so long ago. This is my last credit account that I am dealing. I paid my debt off with all the other ones. Asset is my last one. The crazy part is that Asset still wants to collect money and cant validate my debt but Asset hasnt been on my credit report on any of the 3 bureaus for the past year. Thats kind of weird to me. I may just have to investigate this myself because if this account is not mine then I will go and file a police report. If the account is mine I will go ahead and pay it off. It is not a problem. I am not trying to get out of paying a debt. I just want to make sure that the debt is mine.

their has to be a legitamet reason they are collecting.. u said they sent you somewhat of a validation.. from what ive seen people that "steal" anothers identity dont pay the bill.. or they'll charge up the card and not pay it.. did it say what the last pay date was? or if you really want to get it taken care of tell them you want a significant discount (some 60-70% off)- large debt collection companies look at making money on the portfolio of accts they purchase not individual accts.. that way you are taking care of it but not at a huge expense.. (lawyer fees or P.I. fees ect.)
i suppose its how bad you want it off your credit report.. or in your case as well to be left alone.. i know how it is!!! just a few suggestions.. hope it may help..
let me know how it goes..

I give up on trying to get proper validation on this account. I called Asset myself and tried to get some answers. They said they couldnt track the credit card usage. I am like thats BS. Its a credit card. Its traceable. First they started off saying we will help you. Then they got desperate and was asking me things like "Can you borrow the money from anyone? Can you take out a loan? Can you go into your 401k?" I am like WTF is going on. I just explained to you that I need you to investigate this and you are still trying to collect. I told them if the statements come back that I used them then I will pay but if they were used by someone else I am not paying. So they told me that they would have to request all of the credit card statements and that it would take 6 months to 12 months. They also told me that the account will continue to grow with interest. I am at a point right now where I just want to see some proof. The account is already over $7000 so if I have to pay that then oh well. As long as I have proof I dont care how much it is.

Will they ever give me proper validation?

They sent me a letter yesterday stating I have 3 options to pay them. One was a payment of $2000 up front and the debt would be over and the other two payment options were for 3 months and 6 months. I dont know what to do. Can anyone please give me some insight? I am so aggravated that I wanna just pay them so they can leave me alone.

Also, I havent even brought up the violation of trying to collect within the 30 day window of them trying to collect while my debt validation was going on. If I am going to focus all my energy on them I just need some direction on where to go.

Keep the offer letter, it gives you proof of a violation.

SO SHOULD I COPY MY INFO AND SEND IT TO THEM LETTING THEM KNOW THAT THEY ARE IN VIOLATION? I HAVE THE GREEN CARD THAT I GOT BACK WHEN THEY RECEIVED MY DV LETTER AND THE LETTER RIGHT AFTER THEY TRIED TO COLLECT AGAIN. THIS OFFER LETTER HAS BEEN SENT TO ME AFTER I SPOKE WITH THEM OVER THE PHONE. THAT WAS WITH NO AVAIL. THEY SO MONEY HUNGRY OVER THERE AT ASSET. I AM THE TYPICAL AMERICAN CITIZEN. PEOPLE LIKE ME JUST DONT HAVE $2000 LET ALONE $7000 JUST LAYING AROUND. I KIND OF 50-50 ON JUST SAYING THE HELL WITH IT AND PAYING IT AND GOING ALL THE WAY TO FIGHT IT.

im very woried about tgemoney ihave not send callme at deleted - ND

Please do not post your personal info on a public forum