Report: #563810

Complaint Review: Asset Acceptance - Allied Interstate

  • Submitted: Tue, February 02, 2010
  • Updated: Wed, February 03, 2010
  • Reported By: Pat — Harrison Twp Michigan U.S.A.
  • Asset Acceptance - Allied Interstate
    28405 Van Dyke Ave
    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

*Consumer Comment: advise

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I settled a collection debt in 2004 with Allied Interstate. Upon clearance of the funds for this debt recovery, Allied Interstate claims they sold it to another collection agency called Sherman Acquisition. I questioned this, so Allied Interstate issued me a letter of debt settlement. Next, I get calls from Sherman Acquisition to collect on this debt. So, I faxed this letter of debt settlement to Sherman as proof, and they call me a liar instead. So, they sold the account again, to Asset Acceptance, and they also called me a liar, and threaten to sue me. Now, over six years later, Asset Acceptance is pursuing a lawsuit against me grieving thousands of dollars over an account number that is archived according by the settlement letter, and concurrent by the original lender. Is it safe to say if you paid off a debt collection account with their numbers that you really paid it off? They're archiving their own numbers, and bringing lawsuits upon people before the statue of limitation runs out.
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#1 Consumer Comment


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

Make them validate the debt:

Send 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.


If this goes to 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.

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."

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.
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