Asset Acceptance Debt

Date: Mon, 01/29/2007 - 12:15

Submitted by smf8261
on Mon, 01/29/2007 - 12:15

Posts: 27 Credits: [Donate]

Total Replies: 2

I got a call from asset acceptance today. The name on the caller ID is comming up opinionresearch and the number is 480-588-0743. The called and said if I were the person they were looking for to press 1. The name they are actually calling for is not my last name. It is my last name with extra letters afterward to make it a little off. In addition, the amount they say I owe is over $900 and the amount the phone company says I owe is like $600. Furthermore, when I asked for verification of the debt the lady went into attack mode and started talking over me. I told her not only is the debt out of the SOL, but there is no way that I owe that amount, because I had a limit of $150 on the phone when I had it open. She said they had sent validation of the debt in the past to different addresses. I did talk to someone a couple of years ago who did not verify this debt after I disputed it, I told the CA that but she said they were the only ones collecting since they bought the debt and could not do anything about what another collector said.

I am waiting for the verification of the debt. I hope that I did the right thing. Any suggestion or comments about what I did?

Also, If the debt IS out of the SOL and will be 7 years old in a few months, would it hurt my credit to work something out now? Won't it be reported on my credit for 7 more years if I try to settle it now?

Thanks

The debt is already out of the SOL of your state. So, there is n

The debt is already out of the SOL of your state. So, there is no chance the collection company can get a case against you. Since this debt is nearing the seven years period in the next few months, I will probably wait until that period. A "Paid" account is definitely going to raise your credit scores but see the status also. It's in collections and it has already tarnished your credit ratings. At this point, if you make a payment, it's going to show "Paid collections". This is not going to make a major improvement in your scores.

Keep the receipt of your debt validation letter in a safe place. You might need it some time later if you are required to prove your actions. Since they are not giving out your name correctly, it becomes very necessary that you have the accurate details before making the payment. It's possible that you maybe paying towards one account that never belonged to you and now because of the payment done, it's yours.

lrhall41

Submitted by a_neblat on Mon, 01/29/2007 - 12:49

( Posts: 407 | Credits: )

That's just great - now they're not only lying on the phone, the

That's just great - now they're not only lying on the phone, they're lying on the caller id. "Opinion Research"??? And then they ask if you're the person they're looking for, and if you answer yes, you're on the hook for whatever they say you owe, according to THEM. Nice tactics.

lrhall41

Submitted by SUEBEEHONEY70 on Mon, 01/29/2007 - 15:19

( Posts: 4583 | Credits: )