- Report: #563810
Complaint Review: Asset Acceptance - Allied Interstate
| Asset Acceptance - Allied Interstate 28405 Van Dyke Ave
Internet United States of America |
|
Asset Acceptance - Allied Interstate Asset Acceptance 2004 I paid a collection debt off, and recieved a letter that it is paid in full. However, six years later they've pursuing a law suit against me. They state the account number does not exist in the a Internet
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This report was posted on Ripoff Report on 02/02/2010 10:37 PM and is a permanent record located here: http://www.ripoffreport.com/r/Asset-Acceptance-Allied-Interstate/internet/Asset-Acceptance-Allied-Interstate-Asset-Acceptance-2004-I-paid-a-collection-debt-off-563810. 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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Search TipsSend them a letter via Certified Mail + Return Receipt (NOT regular mail) stating:
Per the Fair Debt Collection Practices Act, I am requesting written validation of your claim, to include a copy of the original signed contract with my signature. A typed letter showing an account number and balance due will not be accepted as validation. The orignal application with my signature is being requested and should this matter go to court, this will be required for validation.
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If this goes to court...be sure to show up in court at the appointed date and time...if you don't the other side will get a default judgment against you. Bring the settlement letter to the court proving that it was paid. Again, make them validate the debt...Don't be a "no show" if this goes to court....Good luck.
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There is a statute of limitations for credit card debt, which is the amount of time that they can successfully take legal action against you for the debt. This time period varies for each state. You can find this time period for your state by going to the link below and looking under "Open Accounts."
http://www.creditinfocenter.com/rebuild/statuteLimitations.shtml
If the number of years since you defaulted on this account and stopped making payments on it is greater than the number listed for your state, then they can no longer defeat you in any court action because the debt is time-barred.

