I have no proof ! What can I do ?
Date: Thu, 04/17/2008 - 14:33
and it's just about 1 year left. I have moved to another state and am getting my life back together. I don't want to update my credit report, as then they will have verified proof of where I live. I do not need credit so it is OK. What should I do about Asset Acceptance, if I write them a letter, I am confirming my address, which I do not want to do. Any suggestions? Thanks.
Go to the post office in another area and get a P.O. Box to use
Go to the post office in another area and get a P.O. Box to use as your address.
What is AA collecting--a deficiency balance on the mortgage, or
What is AA collecting--a deficiency balance on the mortgage, or credit cards and the like?
First off, SOL applies in the state where you live. If you don't
First off, SOL applies in the state where you live. If you don't live in New York anymore, then New York's SOL [6 years, BTW] no longer applies to you. You can check your new state's SOL here.
Let me ask you some questions, if I may...
1 - What state do you live in presently?
2 - What kind of debt is Asset trying to collect?
3 - Do you remember when was the last time you made a charge or a payment on the account?
It seems that they already have your address, else you wouldn't be receiving their letters. In your position, I'd hit them with a demand for validation immediately. There's a good template here. Send it certified mail, return receipt requested, and be sure to imclude the enclosure [FTC opinion letter]. Unless there's more to this than was in your post, the burden of proof is on them, not on you.
