Asset Acceptance LLC Trying to file a Motion for Summary Disposition, but have not provided proof that the debt is mine Brandon Florida

is that he appears to actually think that any of us believe his nonsense! Especially his claim that instead of working collections (as he claims he used to do), he's a credit counselor who gets paid for his service for helping others "get their credit" on track.

LMAO!!!!

Why anyone would pay this shmoe is beyond me. There are plenty of good couselors who work for free. I do voluntary credit counseling/assistance through my sister's church.

LOL!

'AS FAR AS TRUTHY, YOUR POSTS ARE BECOMMING RUBBISH & NOT WORTHY OF A RESPONSE.'

This is code for 'I have absolutely no way to challenge the facts that you have presented. Therefore, I shall retreat to my cubicle and keep trying to scam people out of their hard-earned money'.

Spare us your phony platitudes about the greater service of the economy. If people suddenly started paying all their bills on time, you would be out of business. That is because you are nothing more than a slug who buys the bad debt of others - then lies, cheats, and breaks laws in order to scrounge any money you can get your hands on before the consumer realizes that he owes YOU NOTHING...ZIP...ZERO. This is why you are so scared to reply, and why you are so quick to dismiss facts. Bottom feeders are furious when anyone exposes THEIR complete lack of credibility, integrity, and usefulness.

Unfortunately for you, ROR keeps posting the advice of those like Robert, Steve, and me who are committed to putting you out of business. We succeed a little more every time you lose your cool and post caps-locked nonsense and mindless babbling. Truly intelligent, educated consumers see your pathetic postings for what they are: A last-ditch effort to scrape any credibility off the trash can that you live in.

NASCAR YOU HAVE EVERY RIGHT TO LOVE WHATEVER SITE YOU WANT. THE FACT IS, THAT BUD HIBBS & HIS FOLLOWERS ARE THE LOWEST SCUM OF THE EARTH. NO MATTER WHAT INDUSTRY YOU LOOK AT, YOU WILL FIND ABUSES. HOW MANY STORIES DO YOU HEAR ABOUT CROOKED COPS? HELL, I LIVE IN MESA & I SEE AT LEAST 1 A DAY ON HERE! PERSONALLY, I HAVE NEVER HAD AN ISSUE WITH ANY OF THEM OTHER THAN RUN OF THE MILL TRAFFIC STOPS,3 IN 5YRS, BUT YOU LOOK ON HERE & SEEM TO BE PRETTY BAD. I GREW UP IN A SMALL TOWN, THE POLICE
THERE HAD VERY LITTLE TO DO SO I DID SEE A LOT OF THESE KINDS OF ABUSES THERE. THEY WOULD PULL PEOPLE OVER THAT THEY KNEW, MOSTLY PEOPLE THAT WERE COLLEGE AGE. I WAS STOPPED AT LEAST 20 TIMES & NEVER GOT CITED FOR ANYTHING OTHER THAN UNDERAGE POSSESSION, WHICH WAS 4 OF THE TIMES, THE REST WERE ATTEMPTS AT CATCHING ME WITH SOMETHING & I WAS TOLD A COUPLE OF TIMES THAT I WAS STOPPED DUE TO A "TIP" 1 TIME I WAS TOLD THAT I HAD CROSSED CENTER LINE ON A 1 LANE, 1 WAY STREET! SO I KNOW THAT THERE ARE CROOKED COPS OUT THERE. SHOULD WE DO AWAY WITH POLICE? NO BECAUSE MOST OF THEM ARE HONEST & DO A GOOD JOB. LOOK AT ALL THE COMPLAINTS ABOUT TELECOM COMPANIES. SOME WOULD SAY THAT ANYONE THAT WORKS FOR A COMPANY THAT ROPES PEOPLE IN WITH A PHONE THAT DOESNT LAST FOR THE CONTRACT, ARE SCUM, SORRY TRUTHY, BUT ITS TRUE. CAR SALES, REAL ESTATE AGENTS, INSURANCE COMPANIES, IRS AGENTS, HELL, THE HIGHEST OFFICIALS IN OUR GOVERNMENT..THE LIST GOES ON. IM NOT SURE WHAT NASCAR IS TALKING ABOUT AS FAR AS SETTLEMENTS ON A SOL ACCT, UNLESS IT APPEARS ON THE CREDIT REPORTS, I DONT ADVISE MY CLIENTS TO PAY OR SETTLE & ITS A MORONIC THOUGHT THAT SOMEONE WOULD BE ASKED TO PAY A DEBT THATS NOT THEIRS.
NOW, FOR STEVE, ILL TURN OFF MY CAPLOCK WHEN YOU & TRUTHY LEARN THAT MOST OF THE PEOPLE THAT ARE READING THIS HAVE ENOUGH BRAIN CAPACITY TO REMEMBER WHAT OTHERS HAVE WRITTEN IN THEIR POSTS & DONT NEED YOU TO COPY & PASTE IT ALL! ITS GOOD THAT YOU PAY YOUR BILL ALTHOUGH IM NOT SURE WHY YOU ONLY GO ON COLLECTIONS THREADS & DEFEND DEADBEATS THAT COMPLAIN THAT SOMEONE ACTUALLY EXPECTS THEM TO HONOR AN AGREEMENT? YOU HAVE MENTIONED THAT YOU HAVE DONE BATTLE WITH COLLECTON AGENCIES BEFORE? ONE MUST ASSUME THAT YOU DIDNT ALWAYS PAY YOUR BILLS. WHAT HAPPENED TO MAKE YOU RESPONSIBLE? OR DID YOU JUST AGE EVERY OUT & START FRESH? AS FAR AS YOUR QUESTION, I LEFT COLLECTIONS IN MARCH WHEN I SAW THE HOUSING BUBBLE GETTING ABOUT AS BIG AS IT WAS GOING TO GET & I SAW HOW ARTIFICIALLY INFLATED THE PRICES WERE, SO I SOLD MY HOUSE AT A 100% PROFIT FROM THE VALUE THAT IT HELD 1YR BEFORE, RETIRED FROM COLLECTIONS & STARTED DOING CREDIT COUNSELING. NOT ONE OF THESE OUTFITS THAT SERVE AS A BILL PAYING SERVICE OR DEBT SETTLEMENT COMPANY THAT TEACHES THE CONSUMER NO LIFE SKILLS THAT HELP THE CONSUMER TO MAKE BETTER PERSONAL & SOMETIMES BUSINESS DECISIONS IN THE FUTURE. UNLIKE, THOSE OTHER COMPANIES, I CHARGE ONLY FOR MY TIME. I ALSO HELP THEM LEARN HOW TO BE BETTER EDUCATED CONSUMERS & LEARN NEGOTIATION SKILLS. I DO THIS BY HAVING THEM WATCH ME NEGOTIATE WITH THEIR CREDITORS AND/OR COLLECTION AGENCIES. IN THE LAST 4MOS, I HAVE BEEN WORKING WITH MORTGAGE SERVICERS, TEACHING THEIR CSR'S HOW TO BETTER ASSIST BORROWERS THAT ARE FEELING THE CREDIT CRUNCH. I HOPE TO CONVINCE MY LOCAL SCHOOL SYSTEMS TO HIRE ME ON A CONTRACT BASIS TO TEACH HIGH SCHOOLERS HOW TO HANDLE THEIR CREDIT, AS I THINK OUR ECONOMY WOULD BE A LOT BETTER IF THIS KIND OF EDUCATION HAD BEEN AVAILABLE IN THE PAST. SO STEVE THATS EXACTLY WHAT I DO FOR A LIVING. NOT QUITE THE BOTTOM FEEDING FANTASY THAT YOU HAD. SO ENLIGHTEN US ON YOUR ENDURRING CAREER & TRY NOT TO COPY & PASTE
AS FAR AS TRUTHY, YOUR POSTS ARE BECOMMING RUBBISH & NOT WORTHY OF A RESPONSE. ROBERT, I DID RESPOND BUT ROR DOESNT ALWAYS LET THE RESPONSES GO THROUGH AS YOU MAY HAVE ALREADY FIGURED OUT & WHEN THEY DO, THEY ARE VERY SLOW AT TIMES I WILL DO ANOTHER POST TOMMOROW, AS IM SURE THERE WILL BE PLENTY MORE BS FIM SURE THERE WILL BE PLENTY MORE BS F
ROM STEVE & TRUTHY

A few things for you:

In another ROR,

http://www.ripoffreport.com/reports/0/278/RipOff0278856.htm

you didn't even attempt to answer my questions to you about collectors notifying debtors of their right to disputer and request validation of debts. Especially the requirement to do so within 5 days of the initial contact.

Instead, you replied as though I was asking about SOLs. I asked another person, Jim, to please post a reference to a remark he made. I didn't ask about SOLs, I don't need to - quite knowledgeable already. Perhaps you should pay attention before you spew with your caps locked on.

I asked you several specific questions - funny how you ignored them. So, here they are again (http://www.ripoffreport.com/reports/0/278/RipOff0278856.htm ):

quote:

""''The SOL has nothing to do with calling a consumer & asking them to pay an old bill. It does prevent taking a legal remedy if the consumer refuses to pay. But, there is a question of integrity. If you steal something and get away with it, you may feel guilty about it even though you got away with it. Its sad to see that americans have become so self centered over the years. ''

(chuckle) a debt collector discussing integrity? OK! Let's talk about the law instead, shall we?

Do debt collectors specifically inform the debtor of their right to dispute and validate the alleged debt? Do they provide a written address to mail a certified letter to dispute and request validation? Do they inform the debtor that he/she has a right to copies of any judgments or other documents that created this debt? Do they inform the debtor that they have the right to have the contact information of the current creditor sent to them in writing, as well as information about the original creditor? Do they provide this knowledge in writing within 5 DAYS of the intitial contact?

IF the answer to any of the above is NO, tsk tsk, FDCPA violations!""

end quote

I am adept at setting the stage to nail debt collectors/creditors for FDCPA violations.

I would suggest you stay out of the debt collection business.

but I, too, have made several appearances in court as a witness for the debtor against debt collectors/creditors and my statements are based on my personal experience with debt collectors/creditors and the court cases I have inwhich directly participated.

""In this case, they proceeded with legal action before they had complied with this condition of the FDCPA. Ergo, a judge must dismiss this case (likely with prejudice this time) and may award monies for the violations of the act.""

My hypthetical was based on actual small claims cases here. The point I am making is that around here, the small claims judge does NOT have to dismiss the case SOLELY because of FDCPA violations. I judge certainly MAY dismiss the case because of FDCPA violations, but the judge is not required (or as you stated "must") to dismiss the case because of FDCPA violations.

Also, around here, you cannot get legal fees in small claims court, or "lost wages" based on the need to take off work to perform necessary research laws and gather evidence to build a case. Here, it is much better for the debtor who can substantiate FDCPA violations to proceed to district court where such expenses are permitted, and (in my experience) awarded. Evidently this strategy has caught on with at least one local law firm that now advertises on TV to sue debt collectors and creditors for FDCPA violations (regardless as to whether the debt is valid or not.)

You and I are on the same side. I was making a fine point of the distinction between MUST and MAY.

'THE LEGAL PROCESS HAS NOTHING TO DO WITH FDCPA VIOLATIONS.'

The legal process has EVERYTHING to do with FDCPA violations. This is the governing document regarding FEDERAL COLLECTION LAW in the United States. When bottom feeders break these laws and violate the rights of consumers, there are very real legal remedies to make an OCA pay.

Remember when NCO was made to pay millions a few years back for false, deceptive and misleading information about the plaintiff to the three national credit reporting agencies? I would say that NCO considers that violation quite subject to the legal process.

False credit reporting, contacting consumers AFTER being sent a cease communications letter, failing to validate a debt upon request before filing a lawsuit...these are all direct violations of federal collection law. Not only can a consumer get a case dismissed for violations like this, but he can collect damages awarded by a judge who sees that award as appropriate.

No fresh material needed here, billcoll...just information that educates consumers and puts YOU out of business.

BillColl01,

OK, you made an attempt to hammer me with your uneducated drivel. So here are the facts for you.

The first sign of a true moron is a person who types in all CAPS. This shows your personality and your limited intelect. typical of an uneducated debt collector.


The Bottomfeeder wrote:
>>>>>>>>>>
OK, YOU ASKED FOR IT TRUTHY
HERE COMES THE UNEMPLOYED DEADBEAT PEP SQUAD WITH MORE MISINFORMATION & OF COURSE STEVE, WHO HAS NO NEW MATERIAL SO HE HAS TO MAKE A FEW MORONIC STATEMENTS & COPY & PASTE MY MATERIAL. STEVE
ONLY LIKES TO ENCOURAGE PEOPLE TO FIGHT THE GOOD FIGHT TIL THE END, BUT I DOUBT IF WOULD FOLLOW HIS OWN ADVICE. NOT TO MENTION THE FACT THAT HE IS ASSUMING THAT THEY HAVE NO DOCS. LISTEN TO STEVE & YOUR GOING TO HAVE A BIG FAT JUDGEMENT ON YOU & GUESS WHAT, STEVIE IS NOT GONNA PAY IT FOR YOU. THESE 'ADVICE GIVERS' GET MOST OF THEIR LEGAL KNOWLEDGE FROM HERE & JUDGE JUDY. THEY ARE A BUNCH DEADBEATS THAT DONT WANNA FEEL ALONE IN THE WORLD SO THEY ENCOURAGE ANYBODY THAT WILL LISTEN, INTO NOT PAYING THEIR BILLS. FARON IS THE WORSE, AS SHE JUST SITS ON THE COUCH ALL DAY EATING BON BONS & WAITING FOR HER GOVERNMENT CHECK TO COME IN SO SHE CAN PAY HER CABLE BILL, SHE CANT MISS JUDGE ALEX. LIKE THESE OTHER FOOLS, SHE SITS ON HERE ALL DAY & GIVES HEARSAY ADVICE NOT
CARING THAT ITS GARBAGE. THEY LIKE TO CLAIM THAT I GET ON HERE & YELL AT
PEOPLE & NOT TRY TO HELP. ALL THEY DO IS TELL PEOPLE NOT TO PAY THEIR BILLS. I JUST HOPE THEY ARE NOT OUT THERE BREEDING. IMAGINE A CROSS BREED OF STEVE & FARON! SCARY I DONT KNOW WHAT IT WOULD LOOK LIKE BUT IT WOULD BE A BON BON LOVING DEADBEAT ON WELFARE THATS FOR SURE.
>>>>>>>>>>>>

Paying one's bills has nothing at all to do with paying a deadbeat lowlife bottomfeeder third party collector.

I pay ALL of my BILLS. I just don't pay third party bottomfeeders. And, I do have a job, unlike you living in your Mommy's basement. Your Mommy cooks for you and washes your diapers, etc.

Hey, BillColl01..You said you used to be a debt collector. What happened? Couldn't cut it as a debt collector?

How do you really know when someone is a loser? They can't even make it as a debt collector!!

Please explain EXACTLY what you do for a living now. Be specific. And, be sure to turn off the caps before responding.

go to debt-consolidation-credit-repair-service.com/forums/index.php register and post your issues there. There are hundreds of people that have been where you've been and can help. I love Bud Hibb's site just to see what kind of scum I'm dealing with but he doesn't have all the answers. Don't settle on a debt that may not be within SOL or amy not even be yours.

THE LEGAL PROCESS HAS NOTHING TO DO WITH FDCPA VIOLATIONS. BY THE WAY, TALK ABOUT BOTTOMFEEDERS, BUD HIBBS IS THE BIGGEST BOTTOM FEEDER ON EARTH! ALL THEY DO IS TRY TO ENTRAP COLLECTORS INTO DOING THINGS THAT THEY NORMALLY WOULDNT DO. THEY ARE WORSE THAN AMBULANCE CHASERS, AT LEAST THEY DONT MANUFACTURE THE ACCIDENT BEFORE THEY FEED OFF OF IT! BY THE WAY, TRUTHY, I DONT HATE YOU & STEVE AND BARF, OH, I MEAN BART, I JUST THINK ITS SAD THAT YOU GUYS ENCOURAGE PEOPLE TO CREATE A HOSTILE SITUATION. THE FACT IS, ONLY A REAL DIRTBAG MAKES AN AGREEMENT & WELCHES ON IT, UNLESS A MAJOR HARDSHIP EVEN THEN, THERE SHOULD BE SOME EFFORT TO RESOVE. I PERSONALLY CANT WAIT TIL THE GOVERNMENT REGULATORS CRACK DOWN ON ALL SUBPRIME LENDERS LIKE THEY ARE ON THE SUBPRIME MORTGAGE INDUSTRY. SOON ONLY PEOPLE WITH GOOD CREDIT WILL BE ABLE TO BORROW MONEY WITHOUT A BIG FAT DOWN PAYMENT. BOY, THIS SITE IS IS GONNA LIGHT UP THEN! "I WAS TURNED DOWN BY THAT SCUM OF A BANK JUST BECAUSE I HAD SOME BAD LUCK IN THE PAST" I CAN SEE IT NOW! OR "THEY HAS THE NERVE TO ASK FOR A 20% DOWN PAYMENT" HOW MANY RORS ARE THERE GOING TO BE ON THAT ONE? ITS GOING TO BE FUN, ILL JUST PUT OUT 1000 REBUTALS THAT SIMPLY SAY HAHAHA.
TRUTHY, YOU NEED FRESH MATERIAL

'A somewhat reasonable expectation but not a requirement of the FDCPA. NOTHING in the FDCPA requires any court of jurisdiction to summarily dismiss a lawsuit because a debt collector fails to validate the debt to the debtor.'

Nothing 'somewhat' about this, Robert...

If you re-read my statement, nowhere do I say that a judge HAS to dismiss the suit or award monies. However...

My statement is a result of undeniable, indisputable FACTS. Three times I have had suits from OCAs dismissed with prejudice and twice been awarded counterclaims because the OCAs ignored my requests to validate debts BEFORE they filed. This is not hearsay or anecdotal evidence here: I have successfully used this defense. The OCAs were in direct violation of federal collection law. It isn't difficult to find a judge who is sympathetic to a consumer who is being hosed. In my cases, the judge was quick to drop the hammer on these scumbags to the tune of a few thousand dollars.

First of all "DO NOT SETTLE" with thes Bottom Feeders. Go to Bud Hibbs, Creditwrench or Richard Cornforth, or all three. They have No Claim at all, do not give your hard earned money to these low life Parasites!!

First of all "DO NOT SETTLE" with thes Bottom Feeders. Go to Bud Hibbs, Creditwrench or Richard Cornforth, or all three. They have No Claim at all, do not give your hard earned money to these low life Parasites!!

""This means that you may make a successful motion to dismiss per repeated violations of the Validation of Debts sect of the FDCPA. ""

A somewhat reasonable expectation but not a requirement of the FDCPA. NOTHING in the FDCPA requires any court of jurisdiction to summarily dismiss a lawsuit because a debt collector fails to validate the debt to the debtor. For example: a small claims court judge is NOT REQUIRED to dismiss a small claims case merely because the debt collector failed to meet the validation requirements to the debtor as outlined in the FDCPA. The small claims judge may dismiss it, but dismissal is not a requirement of the FDCPA. The small claims judge may equally decide the debt is valid, or a portion of the debt is valid, and award a judgement for the debt collector. The consumer debtor may then proceed to fail claim in district court for FDCPA violations, regardless of the outcome of the small claims judication.

What it MEANS is that the consumer debtor may file (and most likely win) a lawsuit in district court for FDCPA violations. The FDCPA is very specific about legal remedies for FDCPA violations. Summary dismissal of a lawsuit petitioned by a debt collector because the debt collector did not furnish the debtor with written validation isn't one of the remedies specified.

I know this is a fine point, but folks need to understand the specific remedies that the FDCPA states. Too many folks think the FDCPA provides certain protections and remedies that may be enforced by other federal and state laws, but are not enacted by the FDCPA.

'OK, YOU ASKED FOR IT TRUTHY'

It is nice to see that you have been pushed to the brink by the postings that have smashed any and all collector hopes of talking this person into incorrectly giving AA a dime. You have been completely taken to the mat, billcoll. Therefore, it stands to reason that you would reply with useless babble and hyperbole while remaining bereft of any substantive information based on facts.

The reason you hate me, Steve, and the others who post against scum-sucking, bottom feeders like you and your company is we actually educate consumers. They can subsequently deal with your kind in a manner that results in you making ZERO. We especially like it when you slimeballs have the gall to lecture ANYONE about morality in paying bills - since your buying debts is a direct result of your own organizational mismanagement and the need to make a quick buck. So please, continue to post these pathetic and useless rebuttals. As I told you before, I will be right there to drop the hammer on your sad attempts to save face.

This company is a third party debt collection agency
They buy out old SOL debts and use their n**i tactics to try and make MONEY
I have dealt with them over a so called "debt" that my "deceased" Grandfather had
Get real Bill the Debt Collector
Get a real job
My attorney would eat you for lunch
Check out my case at www.budhibbs.com
Stacey
ps bring it on more fuel for the fire

HERE COMES THE UNEMPLOYED DEADBEAT PEP SQUAD WITH MORE MISINFORMATION & OF COURSE STEVE, WHO HAS NO NEW MATERIAL SO HE HAS TO MAKE A FEW MORONIC STATEMENTS & COPY & PASTE MY MATERIAL. STEVE
ONLY LIKES TO ENCOURAGE PEOPLE TO FIGHT THE GOOD FIGHT TIL THE END, BUT I DOUBT IF WOULD FOLLOW HIS OWN ADVICE. NOT TO MENTION THE FACT THAT HE IS ASSUMING THAT THEY HAVE NO DOCS. LISTEN TO STEVE & YOUR GOING TO HAVE A BIG FAT JUDGEMENT ON YOU & GUESS WHAT, STEVIE IS NOT GONNA PAY IT FOR YOU. THESE "ADVICE GIVERS" GET MOST OF THEIR LEGAL KNOWLEDGE FROM HERE & JUDGE JUDY. THEY ARE A BUNCH DEADBEATS THAT DONT WANNA FEEL ALONE IN THE WORLD SO THEY ENCOURAGE ANYBODY THAT WILL LISTEN, INTO NOT PAYING THEIR BILLS. FARON IS THE WORSE, AS SHE JUST SITS ON THE COUCH ALL DAY EATING BON BONS & WAITING FOR HER GOVERNMENT CHECK TO COME IN SO SHE CAN PAY HER CABLE BILL, SHE CANT MISS JUDGE ALEX. LIKE THESE OTHER FOOLS, SHE SITS ON HERE ALL DAY & GIVES HEARSAY ADVICE NOT
CARING THAT ITS GARBAGE. THEY LIKE TO CLAIM THAT I GET ON HERE & YELL AT
PEOPLE & NOT TRY TO HELP. ALL THEY DO IS TELL PEOPLE NOT TO PAY THEIR BILLS. I JUST HOPE THEY ARE NOT OUT THERE BREEDING. IMAGINE A CROSS BREED OF STEVE & FARON! SCARY I DONT KNOW WHAT IT WOULD LOOK LIKE BUT IT WOULD BE A BON BON LOVING DEADBEAT ON WELFARE THATS FOR SURE.

You wrote, 'BEFORE THIS, i sent them a letter requestion verification and validation of my debt and they never responded.'

Per the FDCPA:

"If the consumer notifies the debt collector in writing within the thirty-day period described in subsection that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector."

This means that you may make a successful motion to dismiss per repeated violations of the Validation of Debts sect of the FDCPA. They are REQUIRED by federal collection law to validate any and all debts completely, if requested by the consumer, before they attempt to collect. In this case, they proceeded with legal action before they had complied with this condition of the FDCPA. Ergo, a judge must dismiss this case (likely with prejudice this time) and may award monies for the violations of the act.

Steve hit the nail on the head...don't get mad, get paid! Take these lowlifes to the mat and make them rue the day they ever crossed you.

Oh, and billcoll...did you really think that you could sneak into another AA thread and hide from my rebuttals? You must hate getting nailed by those who can expose your ignorance...

Maybe you should pay more attention to the complaint. The victim NEVER said the SOL had expireed. Just because a bottom feeding scum sucking bill collector sends a bill for payment doesn't mean it's even valid. This bottom feeding company pay cents on the dollar for MOSTLY bills OUTSIDE the SOL. Best thing to do would be go to budhibbs.com and talk to someone there. This site is designed to fight bottome feeding scum like Mr billcoll, Asset Acceptance and low life rotten scum agencies who act outside the law and try to enforce uncollectble bills. Most of these business are in financial trouble themselves, which is why they buy debts.

There are legitimite 3rd party collectors, but Asset Acceptance is not one of them.

Bill,

They will settle for ZERO. That's right, NOTHING. They have no documentation to support their claim, or they would have presented it already.

Just another BOTTOMFEEDER trying to play the system and get paid for something they are NOT entitled to.

I would countersue them for the frivolous lawsuit.

Typical uneducated drivel from an uneducated debt collector.

>>
Billcoll01
MESA, Arizona
U.S.A.

TRY & PAY ATTENTION TO THE POSTS JOSE
EVERYTHING JOSE SAID WOULD HAVE BEEN GREAT A YEAR AGO! BUT, NOT NOW! IT HAS TO BE WITHIN STATS OR IT WOULDNT HAVE GONE THIS FAR. THE COURT WOULD HAVE QUASHED IT ON FACT. MY ADVICE WOULD BE TO OFFER THEM A SETTLEMENT CAUSE IF THEY GET A JUDGEMENT, IT WILL BE FOR EVERY DIME PLUS COURT COST & MAYBE, THEIR ATTORNEY FEES. IF THEY DONT HAVE THE DOCS FROM THE ORIGINAL CREDITOR, NOW IS THE TIME TO GET THE BEST DEAL ON A SETTLEMENT. IF YOU WAIT TIL THEY PROVIDE DISCOVERY, THE PRICE IS GONNA GO UP.

IF YOU WAIT UNTIL TRIAL, THEY WILL ONLY SETTLE FOR THE BALANCE OR CLOSE TO IT. I WOULD START BY OFFERING 40% & LET THEM COUNTER, THEN MEET IN THE MIDDLE OF THOSE FIGURES. INSIST ON A CREDIT REPORT DELETION AS PART OF THE DEAL. THEY CANT DELETE THE ORIGINAL CREDITOR, BUT THEY CAN DELETE THEIR OWN INFO. I WOULD MAKE IT A DEALBREAKER UNTIL IT BECOMES OBVIOUS THAT THEY WONT DO IT, BUT MY GUESS IS THAT THEY WILL CAVE. GOOD LUCK
>>

go to budhibbs.com
He has a link to the NACA who deal with bottom feeders like this agency
I have dealt with them and once I used fire power poof - gone
Stacey
Know your rights and do not give in!

You stated it has to be within the SOL or the court would have quashed it. This is not true. The court will not quash it unless the Defendant brings it up in his/her defense. The judge will not just look at it, say, "Oh, it's past the SOL," and dismiss it. The judge cannot "help" either side win. The judge is merely there to legally rule on the points each side brings up in their argument and make his/her judgment from there.

EVERYTHING JOSE SAID WOULD HAVE BEEN GREAT A YEAR AGO! BUT, NOT NOW! IT HAS TO BE WITHIN STATS OR IT WOULDNT HAVE GONE THIS FAR. THE COURT WOULD HAVE QUASHED IT ON FACT. MY ADVICE WOULD BE TO OFFER THEM A SETTLEMENT CAUSE IF THEY GET A JUDGEMENT, IT WILL BE FOR EVERY DIME PLUS COURT COST & MAYBE, THEIR ATTORNEY FEES. IF THEY DONT HAVE THE DOCS FROM THE ORIGINAL CREDITOR, NOW IS THE TIME TO GET THE BEST DEAL ON A SETTLEMENT. IF YOU WAIT TIL THEY PROVIDE DISCOVERY, THE PRICE IS GONNA GO UP.

IF YOU WAIT UNTIL TRIAL, THEY WILL ONLY SETTLE FOR THE BALANCE OR CLOSE TO IT. I WOULD START BY OFFERING 40% & LET THEM COUNTER, THEN MEET IN THE MIDDLE OF THOSE FIGURES. INSIST ON A CREDIT REPORT DELETION AS PART OF THE DEAL. THEY CANT DELETE THE ORIGINAL CREDITOR, BUT THEY CAN DELETE THEIR OWN INFO. I WOULD MAKE IT A DEALBREAKER UNTIL IT BECOMES OBVIOUS THAT THEY WONT DO IT, BUT MY GUESS IS THAT THEY WILL CAVE. GOOD LUCK

I do know these people inflate the amount of the debt and the date of last activity go to assetacceptancesucks.com and you will find out how bad these bottom feeders are.

What kind of debt is it?
What is the name of the original creditor?
When was the last payment made to the original creditor?

Check the statue of limitations in your state?

I do know if it is has to do with taxes, child support, or student loans they can garnish anything including social security income these debts are very very bad and are high proirity.

If it is utilities, credit card debt, or other consumer debt if you collect ssi or ssdi, or on government assistance those assets are protected and can not be collected by them.

You need to find out if you are what they call judgement proof.

Whatever you situation do show up in court. If you were not served properly I would advise you to call legal aid in your county, budhibbs.com is a great site but he handles texas i don't know about florida. But do contact legalaid and talk to them, they will take your claim assign an attorney and sue asset acceptance for FDPCA violations again I do not know what they are after you for, so you may have a case or may not have a case legal aid can tell you.

I probally almost positive that they violated usury laws, changing the date of last activity usually something of that nature.

So what are they after you for, the name of the original creditor, and the date of the last activity by the original creditor?