Asset Acceptance - Green & Cooper

Well, I guess you should contact Green & Cooper with a debt validation letter. Moreover, how old is your debt?

As sad as it may seem, I have no clue. I've racked my brain, my credit scores and everything inbetween to try and figure out what this is.

i was sued by asset Acceptance and they said that if i paid 300 dollars down and 50 a month they would drop the suit, but they didn't they continued the case..they said it was continued to give me time to pay it...how can i pay it off by sept paying 50 a month? The court order was for 887 and some change..should i continue the payments or should i stop the payments and wait to see how much the judge says i owe and pay the sum there?

Sounds to me like they are giving you the run around. How far into the suit is it? Have you answered?

Also, did you get this deal in writing? What it sounds like is they are trying to get you to not show up so they may get a default judgment against you.

I would stop the payments at this point as it looks like they are not dealing with you in good faith. Check your state laws on recording to see if you can record telephone calls without telling them. If you can, then call them and record the call, tell them that you made a deal with them and they broke the deal by continuing the suit anyway. Tell them that you will continue the deal but you want it in writing. See what they say.

Hmm. Did you ever ask for validation? Do you recognize the account they say you owe, the original creditor? Do you recognize the amount? You could ask for documentation in the discovery part, if you still have time.

The continuance is sept. 17, 2010. by the time i learned about debt validation i was already sued..i sent them a debt validation after i received the law suit papers, but it was too late by then..yeah when i called them the first time to ask them about the continuance the person said that it was cancelled..and that as long as i made the payments they couldn't do anything with me, but when i called back again and received another person they said it was continued to make sure i paid them back..and the deal was they would drop the suit Mar 26, 2010 not drag it out..i tried to get the deal in writing but the letters are not specific...they say according to your arrangements your payment of 50$ is due the 15th of every month..it is not anything that binds them to an agreement..in the suit they included a bill statement that says the debt was closed in 2006 and it had my name on it..i do not recall the debt, but they called me before i discovered this website and they were able to scare me into making a payment of 300$ otherwise i would have been able to claim statute of limitations...so my ignorance paid off for them..when is the discovery?

Discovery is a fact finding process. Did you receive a set of papers that had a bunch of questions, some seemingly completely irrelevant to the case at hand? Also a set of 'interrogatories' that asks you for all sorts of documentation. Those are part of discovery.

Go to the court house and get all the paperwork on your case and ask the clerk about filing discovery. You will then send the plaintiff a set of questions that challenge everything about the account. Who the original creditor was, when was the date of default, are they collecting for a company or do they own the debt. Also ask for every scrap of documentation you can think of, a contract and/or agreement signed by you, a last statement showing the final amount owed, a breakdown of any and all extra charges such as interest and fees, a chain of custody (who all has owned the account) who they bought it from (if they did in fact buy it) with proof, proof they are authorized to collect if it is owned by another company.

More then likely they will not be able to provide these things and you can get the case dismissed for lack of evidence. Also they may try to slip an affidavit through this which is a notarized paper saying so and so has direct personal knowledge of said account (this is a well known tactic they use). You object to it as hearsay, that you have the right to question this person on how they have personal knowledge of the account.

no all i received was the warrant in debt..no questions...one

billing statement that says charged of 2006

Does the statement reflect the amount they say you owe? Even if it does, it is still just one piece of evidence. Ask for more. Talk to your county clerk about filing discovery. You can also check your countie's rules of civil procedure.

the one bill statement is the amount they are suing me for 887.00. this bill is when the account was closed and charged off..i will see about filing discovery tomorrow..i was told to get the from online by the clerk, but i didn't see it unless it is under another name..another thing about them is when i paid the 3oo they sent me a letter saying my new balance is 904, i was like wait a minute i paid 300 dollars they said yeah it was already factored in..so i was confused how they are suing me for 887.00 but they are saying my balance was 1287..when i asked the person about it they started talking about interest and if i didn;t want to pay interest i need to pay 250 a month..when i asked her why the suit amount was different she gave me some sarcastic remark about how she is not here to determine what i think i owe only what she sees i owe something like that..so i deft want to know how much i owe minus recent payments as part of my discovery...

Ok...definitely ask for a signed contract and/or agreement...otherwise they CANT charge interest. I(f they get a judgment they will be able to charge interest but not before and not without a contract that allows them too.

well i plan to have the money available to pay right there, but i want the balance said in court..because i don't understand how the suit balance is different from their balance..i know i received a bill of 1400 but the law suit was for 887..so i'm thinking thier intrest claims are bogus..they would prefer me to pay them directly so they can cheat me with intrest..

Yeah...also tell the judge about this little deal..first they tell you 50 a month, then they tell you 250??? That is just crazy and wrong. Force them to prove it all. It is good that you have the money to take care of it if they do prove it...would be funny to see their faces when they think they are going to get a judgment with interest and then suddenly no interest because you are paying it right then and there.

Keep us informed of this court situation. They may try to bring in an affidavit that says they have personal knowledge of the debt...object to it and state you have the right to question the person who signed it, otherwise it is just hearsay.

okay..your advice is very useful..while i did not find the website until i had paid them and missed out on the sol defense it has helped me with other debts..