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Riddle and Associates Law Firm: Claims invalidated debt?

Date: Wed, 11/16/2005 - 19:14

Submitted by anonymous
on Wed, 11/16/2005 - 19:14

Posts: 202330 Credits: [Donate]

Total Replies: 9


I have recieved a letter and a bunch of calls from this law firm saying I have 30 days to dispute the validity of a debt from Asset Acceptance Corp. for 1664.84 or they will file a law suit. This bill was made with providian when I was homeless in 1997. What do I do, it's been so long and I'm bearly making it now I can't afford to get sued. I know I have to send a letter but what should it contain? I seriously don't know how I would begin or end it, not very good at all with this kind of thing. Please help!!!
Thanx,

email address removed as per forum rules - Vikas


Hi nightmarcher

Welcome to the forums.

This account seems to be out of the SOL period and you can't be legally forced to make payments on it.

You need to send Asset Acceptance a debt validation letter and the following details are required to be furnished in it as per the fdcpa law. If they can't validate the debt, you can't be legally forced to pay it. Moreover, the debt is past the SOL period also. So, just stay calm. There is nothing to worry here.


  • The amount of the debt.
  • The name of the creditor to whom the debt is owed.
  • There should be a statement that if the consumer does not dispute within 30 days, the validation will be treated as valid by the collection agency
  • A statement that if the debt is disputed, it will be verified by the collection agency
  • A statement that if the name and address of the current creditor is different from the original creditor, it will be provided by the collection agency.
  • All the calculation should be shown of the amount that is owed.
  • Provide a verification or copy of any judgment if applicable
  • The Statute of Limitation needs to be proven for the collection of the debt.
  • The license of the collection agency applicable in the state
  • Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.

Please check if the CA has reported any negative information in your credit file. They can only do it if they have a legitimate debt. Otherwise, you have the rights to charge a case against them.

Samples of debt validation letter are kept in this forum as well as in the letters section in this site. Please pick up the letter that best suits your requirements.

http://community.debtcc.com/letters/index.html

Remember that when you are disputing a debt, do send your letter through certified mail with return receipt requested. You will have a valid proof of your efforts made. Also, if by chance, the matter is taken to the court, though they never will, do appear in the court and defend yourself. If you fail to appear in the court, the court will take actions against you and you might have to pay it later. Check this article at the link given below and know how scary collection can put you in deeper problems.

http://forums.debtcc.com/forums/scarycollection.html

Regards
Roxette


lrhall41

Submitted by roxette on Thu, 11/17/2005 - 10:55

( Posts: 4009 | Credits: )


Thank sooooo much Roxette. I've been through some very hard times in the past and I can't begin to explain how much this means to me. Every lawyer I've talked to pushed for chapter7 and I work really hard to keep my bills current now and didn't want to do that.
Thanks again,
nightmarcher


lrhall41

Submitted by on Thu, 11/17/2005 - 17:21

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I feel that the lawyers should not have suggested chapter 7 for a debt that is way out of the SOL period. It is clearly understood from this matter and there is a better and accurate way to handle this. Maybe, the lawyers were interested in making their share of money from you.

Feel confident in your approach. You know you have the legal protection. If anyone is trying to intimidate you, they are breaking the federal laws.


lrhall41

Submitted by roxette on Fri, 11/18/2005 - 11:29

( Posts: 4009 | Credits: )


Riddle and Associates Law Firm are calling me for bill paid five years ago in Houston texas. They make all kinds of threats. Have contacted Texas Attorney
General they have done nothing They even call on sunday


lrhall41

Submitted by on Mon, 12/22/2008 - 06:19

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What types of threats are Riddle and Associates Law Firm making??

Do you have a paid in full letter or proof that the debt was paid?

It is legal to call 7 days a week, from 8am to 9pm.


lrhall41

Submitted by SOAPLADY on Mon, 12/22/2008 - 06:27

( Posts: 17315 | Credits: )


Does each state have their own time period for SOL and if so how do I find out the time period for my state?


lrhall41

Submitted by on Wed, 05/13/2009 - 13:40

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I also received harassing phone calls from Riddle and Associates Law Firm and I am strapped as well. My bill was also from about 2002. Unfortunately, without knowing the law, I started sending them a small payment each month. I suppose that restarts my SOL with the bill. I am very upset. Is there anything I can do? I have not answered the phone and I refuse to because I do not need to be yelled at. I live in PA.


lrhall41

Submitted by on Thu, 07/23/2009 - 14:48

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