• Report: #581335

Complaint Review: Asset Acceptance - LLC Debt Collection

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  • Submitted: Mon, March 15, 2010
  • Updated: Wed, December 14, 2011

  • Reported By: sdt1948 — vancouver Washington United States of America
Asset Acceptance - LLC Debt Collection
P.O Box 2036 Warren, Michigan United States of America

Asset Acceptance - LLC Debt Collection I filed Bankruptcy in 2006. One of my accounts sold the account to this company Warren, Michigan

*Consumer Suggestion: Has this been resolved?

*Consumer Comment: advise

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my bankruptcy was 4 years ago and one of my accounts was sold to asset acceptance llc. they are also reporting negatively on all thre credit burera reports. they have tried to contact me but after some investigating i found they were reported  as a rip off, scam company. i beleive the staue is 3 years for collecting. i have also contacted the better bussiness burera and reported them. i'm not going to pay them a dime. i don't know if there is anything else i can do.

This report was posted on Ripoff Report on 03/15/2010 03:18 PM and is a permanent record located here: http://www.ripoffreport.com/r/Asset-Acceptance-LLC-Debt-Collection/Warren-Michigan-48090-2036/Asset-Acceptance-LLC-Debt-Collection-I-filed-Bankruptcy-in-2006-One-of-my-accounts-so-581335. 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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REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
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#1 Consumer Suggestion

Has this been resolved?

AUTHOR: protecting consumers - (United States of America)

I know this is a bit late but let us know if you have this issue resolved. Here is some more information on the FDCPA and how you are protected.

http://www.protectingconsumerrights.com/debt-collection-problems/fair-debt-collection-practices-act/

Once you let us know the all of the details of the case, we will put together a case for you.
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#2 Consumer Comment

advise

AUTHOR: John - (U.S.A.)

If this account was discharged as part of your Chapter 7 filing, then they can't come after you....If it was not, they can....
===================================
How to stop collection agency harassment for a debt that is not yours:

 Send the collection agency a letter via Certified Mail + Return Receipt (do NOT use regular mail) stating:

Per the Fair Debt Collection Practices Act, cease all communications with me about this alleged debt. Receipt of this letter is officially being time stamped via Certified Mail. I will pursue each subsequent phone call from your office with a $1,000 per incident penalty for Fair Debt Collection Practices Act violations
-----------------------------
To speed things up, fax this same letter to the collection agency.

Next time they call, read the following statement:

Pursuant to [your state] state law, this is to inform you that this phone call is being recorded. If you do not consent to being recorded, you need to terminate this call. Pursuant to [your state] state law, continuation of this phone call after officially being informed that it is being recorded implies consent to be recorded. This recording will be used to pursue Fair Debt Collection Practice Act violations in a court of law.
-----------------------------
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
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