- Report: #209990
Report - Rebuttal - Arbitrate
Complaint Review: AAC - Asset Acceptance
AAC - Asset Acceptance28405 Van Dyke Ave Warren, Michigan U.S.A.
Asset Acceptance - AAC Asset Acceptance ripoff is terrorizing me on a 6 year old defaulted phone bill debt!! Warren Michigan
*Consumer Comment: To the "breadwinner"
*Consumer Comment: To the scholoarship student who owes the $4,000 phone bill
*Consumer Suggestion: SOL's
*Consumer Suggestion: Ohio SOL is 15 years on any debt.
*Author of original report: Ohio SOL?
*Consumer Suggestion: before you call that lawyer try this
*Consumer Comment: Don't talk to them again...
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In August 2000 I was transferred out of the country for work and I gave them my new overseas address. The last bill I paid was July 2000 still on dispute. The phone company did send me the bills for a 3 months but I told them it was disputed and then they stopped. In December 2002 I received a letter from CBA telling me that the debt was referred to them.
I wrote back asking for verification but they did not send back anything. They posted the following in my credit history : Date Opened 12/2002 and the same date for Date Reported. I just kept quiet. I had left my address for my credit cards at a friends address in another state.
In 2003 I noticed that they posted the following after selling the debt to Asset Acceptance. Date Opened 08/2003 and Date Reported 06/2004. Credit acceptance called my friend's place asking for me but he told them I do not live there. I did not hear from them till today.
I moved back to the States and got a place in Kentucky as a student. I have no property and no loans. I rent from a friend. I only have a checking and saving account and that also with little money. I am on a scholarship.
Today I got a call on my cell phone. I didn't take the call but they told me in the voicemail they were asset acceptance debt collectors. The last time I paid any bill for this account was July 2000 before it went into collections. Can they do anything?
I think the Statue of Limitation for Kentucky is 5 years and Ohio is 6 years for open accounts. (Is it 6 years for Ohio?) Does phone bills fall under open-account catagory for both states?
It's just over 6 years and they called today. What should I do next time they call? Can they seize money from my bank account? Both savings and checking accounts?
What do I do when they call me again? What do I say? What direction do I go in? I don't have much money. I'm just a student. Help please!!!
This report was posted on Ripoff Report on 09/07/2006 08:01 PM and is a permanent record located here: http://www.ripoffreport.com/r/AAC-Asset-Acceptance/Warren-Michigan-48093/Asset-Acceptance-AAC-Asset-Acceptance-ripoff-is-terrorizing-me-on-a-6-year-old-defaulted-209990. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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