We Are Asset Acceptance and We Are Here to Help

I was about to welcome you to the forum, until you laid down the guilt card. You can leave that at the door as well as telling people they have failed to meet their obligations. I assure you people know that and don't need to be reminded. If you wish to help by offering constructive non inflammatory input then feel free to stay.

Well why don't you register "guest" so that we have a more personal "name" to call you by. Being listed as a guest I don't know that anyone would take what you say to heart. I feel the same way that jcemt feels, stay if you can offer non inflammatory input.

ladybug

I attempted to dispute a debt with Asset Acceptance. I told the girl the account wasn't mine, how do I need to dispute with them. She told me she didn't have to help me do that. Then I said they have to prove I owe the debt not that I need to prove I don't don't. She said that isn't true, I'm stupid and hung up.

Mr. Hender, send them a debt validation letter (you can find a good template in via the first link in my signature) send it certified mail, return receipt requested. They have to provide you with that information before they continue any further collection activity per fdcpa (Fair Debt Collection Practices Act)

JC,

My name is Mindy but damn if I can figure out how to edit my name. LOL

I know about that but I was attempting to call and get information to put into the letter and she was just a B. :roll:

Oops I was that last guest.

"Nobody likes the guilt that comes from knowing you have failed to meet your just obligations. We want to help. "

First Asset must strictly prove you indeed have some contractual obligation to them. Sure, they're out to help -- try to help themselves to your money, that is.

Mindy, pm Jason, he is a site admin. He'll be able to help you further with changing your display name

This company called me at about 9:30pm one night and tried to bully me into paying on a debt that I was not sure I still owed...I went through credit counseling. When I said I wanted it validated, they claimed they did not ahve to and tried to get me to call my mortgage company and car loan company and get my payments deferred to pay them instead. They were a bunch of creeps and scared me to death.

so for 40 years they have been blind siding people with court summons and next thing you know they are raidig bank accounts and garnishing wages. yeah thats really helpful. seriously even if I had the money to pay off this company I would rather burn the money than see it go to Asset acceptance. almost very other post on here has a horror story involving asset.

To the AA rep that posted this:
If you have not read the story from cantwinatall, you may not understand his/her anger. He/she was sued by AA and the attorney handling the case for your agency sat on the summons until after a default judgment was received, then the summons was mailed to the defendant. This attorney manipulated the court system. Don't be surprised when the judgment gets vacated and the case may even be dismissed with prejudice. Also if I were the judge, I would hold AA and the attorney in contempt and I would personally file a complaint with the state bar association as denying a person a fair trial via manipulating and deceiving the judicial system is a morally bankrupt method of winning a case, it is also a violation of one of the most basic and immutable rights that we have as American citizens, that no person be deprived of life, liberty or personal property without due process.

I guess being deprived of our inherent right of a fair trail and attempted manipulation of due process could also turn a rather nasty counter suit into a civil/human rights case as well as a fdcpa case. You may want to keep that attorney on retain AA, and they themselves may want to hire attorneys or pro se defense.

Addendum: You may no longer wish to retain the services of the law firm representing you in this case as it could be your downfall.

On a positive note. I cleared two debts with this company that were mine and I had zero problems. In fact they were able to mark it as paid without reaging it. I was happy because one of them was just a couple of months away from falling off of my report.

I would rather cut off my right hand then pay AA.

see I think every case is different depending on which employee represents co .. FYI had a one in a million or cazilllion? pos experience with zero probs and is a debt collector who would know laws enough not to be taken advantage of..MR. I would cut off my left hand because I am right handed..later if the debts were actually validated and current and were actually mine..I might with my right hand sign checks and work out a debt settlement if debts got validated but if b.s.I would do everything in my power to put them out of business! which is why I probably still have both hands maybe?