• Report: #384392

Complaint Review: Asset Acceptance LLC

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Fri, October 24, 2008
  • Updated: Sun, November 30, 2008

  • Reported By:Bowling Green Kentucky
Asset Acceptance LLC
P.O. Box 23200 Bowling Green, Kentucky U.S.A.

Asset Acceptance LLC I am an unemployed single mother. Somehow a co., Asset Acceptance, LLC was able to garnish monies out of my checking account??? I don't even know what this is for. My ex husband bankrupted on this company in '05 when we divorced. Bowling Green Kentucky

*Consumer Suggestion: Ask your bank to do a Reversal of the $75 for you.

*Consumer Suggestion: Ask your bank to do a Reversal of the $75 for you.

*Consumer Suggestion: Ask your bank to do a Reversal of the $75 for you.

*Consumer Suggestion: Ask your bank to do a Reversal of the $75 for you.

*Consumer Comment: To Becca the debt collector

*Consumer Suggestion: India, DO NOT listen to the moronic drivel from "Becca". Just do this. Here's what happened.

*Consumer Suggestion: in regards to your post

*Consumer Suggestion: Lisa, the OP said her acct was garnished...

*Consumer Suggestion: FIle a fradulaent charge report with your bank!

*Consumer Comment: Information

*Consumer Suggestion: You need to see a laywer...

*Consumer Suggestion: You need to see a laywer...

*Consumer Suggestion: You need to see a laywer...

*Consumer Suggestion: You need to see a laywer...

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

I am a single unemployed mother. I received notice from my bank that a company, Asset Acceptance, LLC that $75.64 had been garnished out of my puny checking account. ?? I have no idea who this company is, nor do I know how they were able to garnish funds out of my account without any notice, a hearing, or anything??? I went to the courthouse yesterday and apparently it's a company that my ex-husband filed bankruptcy on back on '05 when we divorced. I do not owe them a penny and do not understand how this has happened. Needless to say, it's left me with no money for food or gas as I cannot afford to dole out $75 of my account for money I do not even owe. Please help.

India
Bowling Green, Kentucky
U.S.A.

This report was posted on Ripoff Report on 10/24/2008 08:10 AM and is a permanent record located here: http://www.ripoffreport.com/r/Asset-Acceptance-LLC/Bowling-Green-Kentucky/Asset-Acceptance-LLC-I-am-an-unemployed-single-mother-Somehow-a-co-Asset-Acceptance-L-384392. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on Asset Acceptance LLC

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
REBUTTALS & REPLIES:
0Author 14Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Ask your bank to do a Reversal of the $75 for you.

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

Ask your bank if they will do a Reversal on the $75 that Asset Acceptance took from your bank account.

Asset Acceptance is one of the biggest rip off companies in the United States right now.

They will take peoples money from them when they do not have just cause for doing so.

File a complaint with the Federal Trade Commission, The Better Business Bureau, and your State Attorney General Office.

First thing is to ask your bank about the Reversal if they will do it for you since you do not have anything showing that you had anything do to with the account that your husband had with the credit card company.

Asset Acceptance is known for taking peoples money and violating each and every Federal Consumer Protection Law there is.

You have rights as a consumer and need to protect those rights.

Fight it and I hope you win this.
Respond to this report!
What's this?

#2 Consumer Suggestion

Ask your bank to do a Reversal of the $75 for you.

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

Ask your bank if they will do a Reversal on the $75 that Asset Acceptance took from your bank account.

Asset Acceptance is one of the biggest rip off companies in the United States right now.

They will take peoples money from them when they do not have just cause for doing so.

File a complaint with the Federal Trade Commission, The Better Business Bureau, and your State Attorney General Office.

First thing is to ask your bank about the Reversal if they will do it for you since you do not have anything showing that you had anything do to with the account that your husband had with the credit card company.

Asset Acceptance is known for taking peoples money and violating each and every Federal Consumer Protection Law there is.

You have rights as a consumer and need to protect those rights.

Fight it and I hope you win this.
Respond to this report!
What's this?

#3 Consumer Suggestion

Ask your bank to do a Reversal of the $75 for you.

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

Ask your bank if they will do a Reversal on the $75 that Asset Acceptance took from your bank account.

Asset Acceptance is one of the biggest rip off companies in the United States right now.

They will take peoples money from them when they do not have just cause for doing so.

File a complaint with the Federal Trade Commission, The Better Business Bureau, and your State Attorney General Office.

First thing is to ask your bank about the Reversal if they will do it for you since you do not have anything showing that you had anything do to with the account that your husband had with the credit card company.

Asset Acceptance is known for taking peoples money and violating each and every Federal Consumer Protection Law there is.

You have rights as a consumer and need to protect those rights.

Fight it and I hope you win this.
Respond to this report!
What's this?

#4 Consumer Suggestion

Ask your bank to do a Reversal of the $75 for you.

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

Ask your bank if they will do a Reversal on the $75 that Asset Acceptance took from your bank account.

Asset Acceptance is one of the biggest rip off companies in the United States right now.

They will take peoples money from them when they do not have just cause for doing so.

File a complaint with the Federal Trade Commission, The Better Business Bureau, and your State Attorney General Office.

First thing is to ask your bank about the Reversal if they will do it for you since you do not have anything showing that you had anything do to with the account that your husband had with the credit card company.

Asset Acceptance is known for taking peoples money and violating each and every Federal Consumer Protection Law there is.

You have rights as a consumer and need to protect those rights.

Fight it and I hope you win this.
Respond to this report!
What's this?

#5 Consumer Comment

To Becca the debt collector

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

You work for a bottom feeder collection agency
Are you proud of yourself ripping off people the way this "agency" does??
Get real
To the original OP - go to www.budhibbs.com
He has info for you
I have dealt with these bottom feeders before - did what my attorney told me to do - sent them a cease communications letter and they violated that by calling me to collect a debt on my deceased Grandfather 3 times after the letter was sent and return receipt came back signed - took care of them real quick
Do as Steve said - get even and get paid!
Respond to this report!
What's this?

#6 Consumer Suggestion

India, DO NOT listen to the moronic drivel from "Becca". Just do this. Here's what happened.

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

India,

You are correct that the garnishment is ILLEGAL. Asset Acceptance is famous for forging affidavits and engaging in what is known as "sewer service". They knowingly "serve" you the summons at a very old or totally bogus address with full knowledge that you will not get it, and therefore will not respond. Then they quickly move for the default judgement and subsequent garnishment order.

This is outright illegal, and you can get restitution and you can criminally prosecute all involved. You also need to file Bar Association complaints against all lawyers involved.

What you need to do right away is to go see the clerk of court in your jurisdiction and get every piece of paper filed in your "case". Pay particular attention to the proof of service affidavit on the summons. Look at the address they "served" it on, and method of "service".

I can guarantee it has a bad address. Now you have them.

Immediately get a copy of your credit report to verify that your actual, current address is on it, and then call the credit bureau and request verification of the date of that record to prove how long it has been reported, and by whom.

Now you have proof they engaged in fraud.

Take that to the DA and request that criminal fraud charges be filed on all parties, and also once again file the bar association complaint on all lawyers with the new information. File criminal charges against all parties who have thier names on forged documents. It is a felony in most states to file a falsified document with the court.

Once this is done, look for the lawyers in the yellow pages with the biggest ad, specifically the full page / multi page/ or cover ads. These lawyers have the deepest pockets and will most likely take your case on contingency fee basis with no up front cost to you. Consult Bud Hibbs for an NACA referral.

Name your price for damages.

Also be sure to file at FTC.gov for the collections violations.

Hit them from every angle you can. Play for keeps.

Don't get mad, GET PAID!!!

GOOD LUCK!!!
Respond to this report!
What's this?

#7 Consumer Suggestion

in regards to your post

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

They can garnish you because of the fact whatever the acct is you were listed as a responsible party, if you were not you can send them documentation and i know they will fix it as they have done for me! as long as you can prove your side of the story it shall be fixed call them if you ever have questions 1-877-277-3850
Respond to this report!
What's this?

#8 Consumer Suggestion

Lisa, the OP said her acct was garnished...

AUTHOR: J G Shrugged - (U.S.A.)

Which means that they got a court order to pull the money. So claiming that they have no right to do so will mean nothing to the bank, as they have to follow the court order until another court order tells them not to.
Respond to this report!
What's this?

#9 Consumer Suggestion

FIle a fradulaent charge report with your bank!

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

I was told by my bank that if you file a report stating that this company was not authorized and took money from you that you did not owe, the bank will reverse the charges!
Respond to this report!
What's this?

#10 Consumer Comment

Information

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

This is one of the worst bottom feeder collection agencies for I have dealt with them
Go to www.budhibbs.com
He has a link to consumer lawyers!
Take them to court and get some justice!!
Respond to this report!
What's this?

#11 Consumer Suggestion

You need to see a laywer...

AUTHOR: J G Shrugged - (U.S.A.)

But when did your ex file BK on this? Before or after the divorce was finalized? And when was the debt incurred: during the marriage?

Obviously they think that the debt was in your name as well. Which means that even if your ex filed BK, but you didn't, that they can come after you for it...even if the divorce decree says that it belongs to you...

And if he filed BK after the divorce and named you as a creditor, well, you may not be able to go after him for the amt of the debt. Assuming that you can't have the judgment vacated for some reason.

Again, see an attorney!
Respond to this report!
What's this?

#12 Consumer Suggestion

You need to see a laywer...

AUTHOR: J G Shrugged - (U.S.A.)

But when did your ex file BK on this? Before or after the divorce was finalized? And when was the debt incurred: during the marriage?

Obviously they think that the debt was in your name as well. Which means that even if your ex filed BK, but you didn't, that they can come after you for it...even if the divorce decree says that it belongs to you...

And if he filed BK after the divorce and named you as a creditor, well, you may not be able to go after him for the amt of the debt. Assuming that you can't have the judgment vacated for some reason.

Again, see an attorney!
Respond to this report!
What's this?

#13 Consumer Suggestion

You need to see a laywer...

AUTHOR: J G Shrugged - (U.S.A.)

But when did your ex file BK on this? Before or after the divorce was finalized? And when was the debt incurred: during the marriage?

Obviously they think that the debt was in your name as well. Which means that even if your ex filed BK, but you didn't, that they can come after you for it...even if the divorce decree says that it belongs to you...

And if he filed BK after the divorce and named you as a creditor, well, you may not be able to go after him for the amt of the debt. Assuming that you can't have the judgment vacated for some reason.

Again, see an attorney!
Respond to this report!
What's this?

#14 Consumer Suggestion

You need to see a laywer...

AUTHOR: J G Shrugged - (U.S.A.)

But when did your ex file BK on this? Before or after the divorce was finalized? And when was the debt incurred: during the marriage?

Obviously they think that the debt was in your name as well. Which means that even if your ex filed BK, but you didn't, that they can come after you for it...even if the divorce decree says that it belongs to you...

And if he filed BK after the divorce and named you as a creditor, well, you may not be able to go after him for the amt of the debt. Assuming that you can't have the judgment vacated for some reason.

Again, see an attorney!
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.



Ripoff Report Legal Directory