Very disturbing rude phone call from assett acceptance

First of all, it appears to me that the staute of limitations has ran out on the account. Make Asset Acceptance validate the debt. Send them a letter certified mail with return receipt. Collection angecies have to follow the fdcpa laws, which Asset doesn't do. They violate the law on a regaular basis. Please put a search into the forums and read about Asset Acceptance. You will understand how they operate.

Here are some links for you to look at.

http://www.debtconsolidationcare.com/forums/card-closed.html

http://www.debtconsolidationcare.com/forums/ca-statement.html

http://www.debtconsolidationcare.com/assetacceptancellc/index.html

The statute of that state will be applied where the account was originally opened. Besides, this debt accounts seems to be disputed. It should not be reported in your credit file as it is past the seven years reporting period. Know more about the Fair Credit Reporting Act in the link below.

http://www.ftc.gov/os/statutes/031224fcra.pdf

Did you make any payment in the recent times? If you have not done so, don't make any commitment otherwise the SOL will be renewed from the beginning. Asset Acceptance wants you to make some kind of payment so that the debt can be brought back within the legal collections.

Send a debt validation letter to the CA through certified mail requesting for complete information of this account. They are bound by the federal laws to validate the debt in writing. Once you have received sufficient information, send your notification about the expiry of SOL. Read these threads about the actions to be taken when the debt is past the SOL period.

http://www.debtconsolidationcare.com/forums/scarycollection.html

http://www.debtconsolidationcare.com/forums/sol-explain.html

I know you can't be threatened when a CA or creditor calls you. As far as being rude, I don't know. I believe that some idiots (even non-CA's) think that if they are rude they will seem tough. And if they sound "tough" people will do what they say. Which is totally bass-ackwards. You can be firm, get your point across and never change your demeanor or voice levels. Don't lower yourself to their level when you have to speak to them.

Ok, emphasis on ASSet acceptence.

These people are rude. They're known for it. There are a few threads around about asset acceptence on this forum, do a search.

They have to (and will if you bother them enough) validate this debt before you pay anything. chances are this debt is wrong if it's that long ago.