Phone Calls from Asset Acceptance this afternoon

Collectors won't go away until the debt is paid. So, ignoring them won't help. If they are the ones who have your file, you need to pay them. Request the CA for some adjustments if they can do in your file. Get your debt validated from the company.

Well as far as I can see it is a debt that was charged off almost a year ago, and they seem to have somehow gotten their hands on it. I will get in touch with them regarding validation, what is the best way to do this? I've just read a lot of bad things about this company and so am a little wary of them.

Be informed of the fdcpa. Collectors cannot break the rules when recovering a debt. They have to follow it religiously; otherwise consumer can sue collectors for every FDCPA violation with proof.

Send the debt validation letter and know the account they are collecting for. Review it for any dispute before payment is done. You have to get the debt in accurate standing.

thank you! I talked to my husband tonight and we will find out exactly which account it is in reference too, and write asking for a validation letter.

Welcome, Kelly - we're glad to have you here! You've already received some excellent advice from GunsNRoses - you will also receive a phone call from a credit counselor, since you have registered with the site.

Ignoring a debt is definitely not the way to handle it - it will not go away, and could lead to damage to your credit. Obtaining the validation of the debt is a great first step - then, armed with that information, you can go forward with payment arrangments or whatever is necessary at that point.

Keep us posted on your progress, and again, welcome!

Thank you!!!