Asset Acceptance LLC/Tate & Kirlin Associates claiming I

1987?? what kind of debt is this??? Most likely it is WAY past the statute of liitation under both state and federal laws. Ask them to validate the debt. But by all means do not ignore them, and do not pay them with out complete validation.

According to their own website they will hound you until you pay or legally force them to stop. They are hoping to scare you into paying them to validate the debt.

You may need to consider consulting an attorney to deal with these people.

Check out these other discussions about Asset Acceptance.

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

and this one as well about how they can forse a out of date debt to once again be valid.
http://forums.debtcc.com/forums/scarycollection.html

Hope I can help but there no information to contact you. please feel free to contact me.

The "Statute of Limitations" is only the time frame in and by which an original creditor may sue a debtor for the amount owed. If the SOL has expired - it simply means that the creditor can no longer sue the debtor - it does not relieve the debtor from the obligation. the debtor still owes the money legaly and moraly.

steve, collection letters - by law - must state the collection agency, the original creditor and the amount owed. i suggest you contact them for more information and/or check your credit report.

"The "Statute of Limitations" is only the time frame in and by which an original creditor may sue a debtor for the amount owed. If the SOL has expired - it simply means that the creditor can no longer sue the debtor - it does not relieve the debtor from the obligation. the debtor still owes the money legaly and moraly."

If they still owe "legaly" as you say, then how come the creditor can not sue? Moraly? Quite subjective don't you think? Are you trolling?

Guest

The creditor has the legal rights to collect the debt from the consumers. If the debt goes out of the SOL period, it does not bar them from making collection efforts. But if the consumers are aware that the debt is past the SOL period, they can escape being sued or having to pay an old debt.

SOL will get renewed if even a partial payment or a written agreement to pay the debt is made. The statute is a civil code and each state has its own SOL period.

After the SOL expires, the creditor only has the legal rights to report your accounts to the bureaus for 7 years. You cannot be forced into any lawsuit if the statute has expired.

JTC sounds like he works for Asset Acceptance. They have been trolling around here.

My husband received a letter in the mail dated 11/15/06 stating that he owed $120.95 and they were 'authorized' to offer us a 50% settlement if paid by 12/6/06. Since we had no idea what this was about, I called Tate & Kirlin (creditor Asset Accept) for validation of this claim. They had my husband's ss# and said it was from some company we have never heard of and it was past due 11/19/2000! I told them that since I know the SOL has long expired on this account that I refused to pay it and will be watching my credit report to make sure it is removed in November 2007. (BTW, I have current copies of all the credit reports and there is nothing on any of them about this; we just bought a new house this summer.) The lady then informed me that it wasn't actually reported to the credit companies until 5/18/01, so it will not fall off the credit report until then. I quoted Arkansas law about the 7 year SOL and she started yelling at me and told me that she would contact the client so they can sue us. I told her good luck with that and hung up. Side note, my husband is a finance manager at a car dealership and sees people????????s credit reports everyday. When there is something old like this on the report, and the past few years are in good shape, it almost never affects the consumer's buying power. Thank you so much for your forum, if I didn't do the research on this company before I called them, I would have been unprepared for their brutality and threats.

My grandmother passed away in 1994, almost 13 yrs ago, and in the last 6 months we've been receiving a letter stating she owes $190 and that the creditor will settle for 60%. This seems like bull to me considering she never had a credit card. Is this a scam?

Asset tries to collect on a lot of timebarred debt. If the sol's for reporting & legal action have run out,they cannot legally do anything to you.They are allowed to attempt to collect as long as it's unpaid. Paying this kind of debt is a moral issue left up to each person. I will tell if you pay they will stick it back on your credit report.

I received a letter, just like the ones stated above, saying I owe Tate & Kirlin over $400.00 and that they would settle for a little over $200.00, but here's the thing, I've never been late on ANY kind of bill in my life, and it bothers me to even have $200.00 on my credit card, let alone over 4 hundred dollars, I don't have the slightest idea of what in the world they're talking about. The letter did not say who I bought $400.00 worth of merchandise, or borrowed a loan from. I am really confused about this letter, to say the least. Are these letters legit? or should I contact someone for abuse?

Thank you! I was just panicking. This said I owed $401.01 and they were knocking it down to $180. i had some credit issues in college but have been perfect for the past 8 years, I was read to pay but thought I would cal them first. They give a 1.800 number and a regular number- both of which hang up the second you dial.

My brother worked at Tate and Kirlin and he quit within a few weeks of being hired. The hire a lot of drug addicts and convicts there. He was offered to buy everything from pot, cocaine to pills by people who work there. I would advise people to pay the original creditor what they owe rather then give your banking information to a drug addict.

I also received a letter from Tate & Kirlin claiming a 50% compromise on a debt.
After reading these sorts of posts, I called the debtor directly and read them the letter I received from T & K. I explained that I was not aware of any debt, but if there was could I just pay them directly since I didn't trust the letter.
They replied, "Well, Mr "B", you could, but our records show your account has a Zero balance."

So, I asked them directly..."So, you are saying that I do not owe you anything?" They replied, "No, Sir."

I asked them how this company could send out a letter like this claiming to represent them.
They said that there is alot of fraud going around these days and that they appreciated that I called them myself to verify the claim.

I have no idea how these people got our phone number, but they called claiming my MIL owed money from a leased and returned car (almost 2 1/2 years ago.) I was with her when she returned the car. It was simple and straightforward. No money was owed on the car.

T&K first called our home just over a month ago claiming that MIL owed money and the debt had been turned over to collections. My husband has POA now for his 86 year old mother, (who is in a nursing home and on Medicaid) and requested that T&K mail all doccuments showing that there was an outstanding balance on his mom's account.

They never mailed anything and called again tonight.

They are rude and they are liars. They said they sent the information and that WE just needed to pay the debt (at 50% off, of course.) The guy on the phone actually said, "We've been going around and around here and each time we talk you say you are going to pay."

Well, NO - this was the second time my husband has talked to them. He again requested information in writing about the debt owed. The answer? "You just need to be a man and pay this!"

HA!!!!!!!!!!!

My husband didn't remember the name of the "collection company" so I got the number and called them. The asshole answered, "Hey, how can I help ya?" I hung up. Since he didn't answer with the name of the company, I thought it was a scam, so did a reverse look-up. Imagine my surprise when I found out it is a "collection company!"

Then imagine my surprise when I did a Google search and found a BUNCH of blogs/info about them!

We are not a family who does not pay what they owe. My MIL has a few hundred dollars and could pay this bill - IF it is really owed... but T&K will get NOTHING EVER from us.

My husband is going to contact the finance company for the leased car tomorrow to see if this debt is even legitimate.

If it is - it will get paid - to the company that it is owed - not to assholes who try to bully people.

GUESS WHAT I WORK FOR TATE AND KIRLIN ,,, WE ARE NOT A SCAM. WE ARE A COMPLETLY LEGIT COMPANY.... SO WHAT IF SOME OF OUR ACCNTS ARE OLDER ? THE DEBT IS STILL OWED NO MATTER WHAT! ALL YOU JUST NEED TO GROW THE HELL UP AND PAY YOUR DAMN BILLS... SO I CAN GET A COMMISSION CHECK! HAHAHA DAMN DEBTORS[samebox:48888176e6="paulmergel"]AWE,ARE WE MAKING IT HARD TO EARN A DISHONEST BUCK.GET ME A HANKY.I'M GONNA START BAWLING.[/samebox:48888176e6]

Troll alert!!

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Guest with the harassment issue,

I agree. Don't pay anything without proper validation. Check your credit reports and file disputes with the CRAs with copies of your paperwork showing everything was signed off on the lease and nothing owed.

If you haven't ordered a free credit report within the last 12 months, you can order one at: www.annualcreditreport.com

I receive daily phone calls from Tate & Kirlin, BUT NEVER any letters whatsoever. I have caller ID and never answer them. However, one night my son did answer when they called & idiot jerk is yelling about a bill owed by my ex-husband (whom I divorced in 1991) BEFORE we were even married. My ex is British & lives in London so I guess they figured I was an easier prey. I sent the proper letter to inform them to cease and desist calling ME. That still didn't stop them so I am now reporting them to the proper authorties (of course it seems the "proper authorties don't seem to do much) Why should I pay a lawyer to stop this harassment?

Why get a lawyer? Because you can get $1000 plus possible court fees & attorney costs (so the lawyer won't cost you a dime) for provable FDCPA violations. As soon as you get the green card back proving that they received the C&D letter, then note every single contact -and SUE!!

*I* certainly could use $1000!!

[QUOTE=Anonymous;426085]GUESS WHAT I WORK FOR TATE AND KIRLIN ,,, WE ARE NOT A SCAM. WE ARE A COMPLETLY LEGIT COMPANY.... SO WHAT IF SOME OF OUR ACCNTS ARE OLDER ? THE DEBT IS STILL OWED NO MATTER WHAT! ALL YOU JUST NEED TO GROW THE HELL UP AND PAY YOUR DAMN BILLS... SO I CAN GET A COMMISSION CHECK! HAHAHA DAMN DEBTORS[samebox:48888176e6="paulmergel"]AWE,ARE WE MAKING IT HARD TO EARN A DISHONEST BUCK.GET ME A HANKY.I'M GONNA START BAWLING.[/samebox:48888176e6][/QUOTE]tate&kirlin isnt a bad place to work just because some people are dead beats and they dont want to pay their bills dont bash us pay your bills and well stop calling you

please.i don't think anything you call on is a legit debt.you deserve to be sued out of existence.

There is a statute of limitations on every debt. The statute is 7 years from the month(date) that the delinquency first occurred. However, if you ever wan to try to get credit with that entity again, they can request payment (example, cell phone). So if you ever want to use a creditor again, try to pay them off, even if the statute has passed.

go to fairdeptcollection.com

there is a sample letter you can send any creditor call the "Expired Statute of Limitations Notification Letter." This "time barred" is a federally enforced statute.

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Recently I started receiving phone calls from this company. They are trying to
"collect" a debt from me. I get quarterly updates on my credit report. This company IS NOT listed. I recently purchased a house, I dont think the bank would have approved my loan IF I had an outstanding debt. I've contacted the Ohio Attorney General Office-I'm busy decorating my new home--The Attorney General can fight my battle for now. I also sent these clowns a Cease and Desist letter, if they continue to try to collect a debt I dont owe, I'll see them in court. DID I MENTION IM ALSO A 3RD YEAR LAW STUDENT! LOL

They've messed w/the wrong person.

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I received a call at my work from this company. Only a name (Olivia Blanch) and number (877.846.3928 ext 476) were left for me to call back. When I called back, the young "lady" that answered quickly blurted out the name... It sounded like "Tate and Crawling" (Sort of like the old 3 Stooges routine of "Dewey, Cheatem and Howe"). When I asked her to spell the name for me she asked if I received a call from them. I asked again for the spelling of the company name. She hung up on me. Am I that naive to think that I would agree to provide personal financial information to ANYONE who reacts in such a way to a legitimate request for the correct spelling of the company name??? I DOUBT IT... VERY MUCH! Cease and Desist letter on it's way with copies to their (PA) and my States Attorney offices. Are these people related to Leading Edge Recovery Systems? By tactics, I'd say YES... VERY MUCH.

Coach

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If the SOL is up, a creditor dose not have the legal right to call you & try to collect on the debt.It's illegal;

But creditors are hoping that the public is not smart enough to enforce their rights by saying to them " The SOL on this debt has expired, you may no longer contact me in any form to try to collect this debt,., because it's past the SOL" if you continue you will be in violations of the FDCPA and i will report your illegal collection activity. deleted..pm

no personal or solicitory info allowed per TOS.

By all means send all information about these fraud artists to:
The U.S Marshals Service
Philadelphia - District Headquarters
James A. Byrne -US Federal Court House
601 Market Street, Second Floor, Room # 2110
Philadelphia, Pa 19106

I have bill collectors calling me all the time!!!, funny part is i work for t & k ha ha what most ppl dont understand is you probably forgot about the debt...thats the case 9 out of 10 times others no comment there maybe something fishy but usually they say "oh i remember this now" after giving me hell...lol we are calling to help....well some of us are, others are just a**wholes but i do AGREE with 1 comment you should pay the original creditor than those agencies

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I had a few letters from Asset Acceptance, stating I owed on two or three different accounts and they had the amounts to each. However,..they didn't have the places where the debt came from. I called them to ask them this. They said "they were not obligated to tell me that." What kind of crap is that? They really think I'm going to pay someone money when I don't even know where the debt came from?

If you work for this company then they must all have no brains to hire people who have no people skills and speak to other human beings as nasty as you do. You need to go get a real job and grow the F**CK UP! stop harassing people with your nastiness.