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Asset Acceptance has sent a letter with a past due amount

Date: Fri, 09/29/2006 - 06:58

Submitted by anonymous
on Fri, 09/29/2006 - 06:58

Posts: 202330 Credits: [Donate]

Total Replies: 2


Asset Acceptance has sent a letter to me with a past due amount from a Utility company from 6 years ago with just the amount and the name of the utility company and nothing else. I have contacted the Utility company, they state they don't have the utility bill available since it was from 6 years ago and gave me a number to contact the collection agency they placed it with. The number they gave was for the Asset Acceptance. AA is stating it will take up to 90 days to get me the Invoice?? Wouldn’t they already have that information and what would take 90 days?? I’m not sure if I owe the money or not, and all I want is the original utility bill to see the charges. Is there something I can do to make sure they give me this invoice?? Without that, to me this is just a made up amount from 6 years ago on something I already paid for. Seeing that it was 6 years ago I have no way of proving it was already paid either. What steps can I take from here?


Send Asset Acceptance a debt validation letter by certified mail/return receipt requested, so you have proof that the letter was received and signed for.

There is a sample debt validation request letter on the forum that you can personalize and send. http://www.debtconsolidationcare.com/letters/sample6.html

If you don't get a response to this request, there are two debt validation follow-up letters you can send. If Asset Acceptance do not honor your request by providing, in writing, validation of the debt to the utility company, don't pay them anything. If the account shows up on any of your credit reports, you can dispute the account with the credit bureau(s) and will have proof of the date you sent the original debt validation request and any follow-up requests.


lrhall41

Submitted by Tiffany99 on Fri, 09/29/2006 - 07:38

( Posts: 1058 | Credits: )


This debt came all of a sudden in front of you and that too after a long time. I am assuming that you haven't done a payment in the recent period. Perhaps, it must be past the statutes of your state. Check the SOL period of your state and find out when this debt account was paid last time. Probably, Asset Acceptance will get no legal grounds by which they can force you to pay them. Remember, if you pay a small amount only, the statutes will renew right from the latest payment date and AA might hold a legal case against you. Read the other horror stories of Asset Acceptance in the link below and get your ammunition.

http://www.debtconsolidationcare.com/forums/about2251-9.html


lrhall41

Submitted by keystrokes on Fri, 09/29/2006 - 12:06

( Posts: 495 | Credits: )