Asset Acceptance Corporation Harrassing calls and letters about old accounts that are for my ex-husband Lake Charles Louisiana

"Becca",

First of all, the FDCPA says no such thing. I hereby challenge you to post the excerpt you are "quoting".

Second, you need to go back to school and learn some basic English Grammar, spelling, and punctuation skills. You ramble on like an idiot, probably the way you talk.

Third, NO third party collector can change the credit bureau reporting on a bad debt. Only the original creditor who made the original entry can update it or remove it. A deal with a third party collector does absolutely nothing in regards to the original debt reporting.

Advice for all:
NEVER speak to any third party debt collector on the phone, and never make a payment of any kind or an agreement to pay. Always dispute everything and wait for them to sue. Most won't.

Have fun with these morons. As you can see here, Becca is a perfect example of the uneducated morons that you are dealing with.


>>>
Submitted: 10/13/2008 4:23:20 PM
Modified: 10/13/2008 8:26:38 PM Becca
Seffner, Florida
U.S.A.

I can help you!
I have looked into and now understand the fdcpa which states that if you 2 were married at the time the debt was agreed for then your both responsible, however you can call asset acceptance and i know for a fact they will set up payment arrangements with you no matter what you can afford a month even if its 25.00 a month and i know as soon as your first payment clears then it will be reported to your credit as paid zero balance even though it is not paid off yet and as long as your paying on this account it will stay that way. Also you can ask them not to contact you at the place of employment and by law they cannot do so anymore!!

>>>

Did you co-sign the account or was it a joint account....if so, they are entitled to come after you for the debt.....Even so...this debt is outside the statute of limitations, so it would not matter anyway.

Send the debt collector a letter via Certified Mail + Return Receipt stating:

Per the Fair Debt Collection Practices Act, I am requesting:

- written validation of this alleged debt
- a copy of the original signed contract for this alleged debt
- validation that this alleged debt is within the statute of limitations for this state

Per the Fair Debt Collection Practices Act, cease all verbal communications with me. Delivery of this letter is being officially time stamped. I will take legal action for any debt collection phone call at $1,000 per incident per my rights under the Fair Debt Collection Practices Act

===============

If they placed this on your credit file:

Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) within 30 days or remove them from your credit file. Mail a letter via Certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). For each negative item, write a separate letter and simply include the phrase:


Per the Fair Credit Reporting Act, I am requesting
- validation that this item is being reporting within the 7-year time frame as allowed under the Fair Credit Reporting Act


Do this one at a time for each negative entry....DO NOT request validation for all items at one time.

Becca, you should also be aware of NY State General Business Law Section 29H. This section of the law makes it ILLEGAL for ANY PARTY attempting to collect a consumer debt from contacting the debtor's EMPLOYER UNLESS there is a MONEY JUDGMENT in place or the debtor has agreed to the contact for the purpose of setting up direct payment (paycheck deductions.)

EACH occurance is a seperate charge and is a misdemeanor and can be prosecuted by ANY COUNTY District Attorney or the NYS Attorney General. Once a guilty verdict is reached (after prosecution) it's a simple matter for the consumer debtor to file and WIN a civil suit against the debt collector for damages.

Now go back to reading the FDCPA again, and while your at it go read Article 29H of the NYS GBL. You can find the law at this website:

http://public.leginfo.state.ny.us/menugetf.cgi?COMMONQUERY=LAWS

""I can help you!
I have looked into and now understand the fdcpa which states that if you 2 were married at the time the debt was agreed for then your both responsible,""

You need to read the FDCPA again because NOWHERE in the FDCPA does it state this. Kindly explain how you can "understand" something that IS NOT written in the law? Why would you post this tripe?

""however you can call asset acceptance and i know for a fact they will set up payment arrangements with you no matter what you can afford a month even if its 25.00 a month and i know as soon as your first payment clears then it will be reported to your credit as paid zero balance even though it is not paid off yet""

Oh really? You mean they will willingly and knowingly VIOLATE the Fair Credit Reporting Act?

Further, NEVER EVER make a settlement or negotiate a settlement with ANY 3rd party debt collector. If the op wishes to make a settlement, it should be negotiated with the CREDITOR only.

""and as long as your paying on this account it will stay that way.""

Sure it will! We believe you!

The OP should IGNORE your nonsense. It appears to me that you're most likely a debt collector employee who's numbers must be low.

go to www.budhibbs.com
He can give you some insight as of how to deal with this third party scum collection agency
Good luck and keep us informed of your situation

I have looked into and now understand the fdcpa which states that if you 2 were married at the time the debt was agreed for then your both responsible, however you can call asset acceptance and i know for a fact they will set up payment arrangements with you no matter what you can afford a month even if its 25.00 a month and i know as soon as your first payment clears then it will be reported to your credit as paid zero balance even though it is not paid off yet and as long as your paying on this account it will stay that way. Also you can ask them not to contact you at the place of employment and by law they cannot do so anymore!!

you have rights. check out what your state's statutes of limitations are on what ever type of account you had. to get them to stop calling, write them a letter following the ftc's guidelines. if it doesn't stop, get a lawyer. the ftc's website is a wealth of information. good luck!
clayton