Asset Acceptance LLC Being Sued By Asset Acceptance in less than 30 days and need advice Warren, Michigan

"Southern Chemical" prowls this site just looking for people to redicule and harrass. I've yet to see one piece of advise instead of critism form this joker.

In a post to another person who owed money a while back the owner of this company posted a reply bragging how he cheated several debtors out of 132,000.00 of debt!!! Southern Chemical and Equipment LLC - Sarasota (USA)  .  Perhaps before he starts criticizing others who have defaulted on his bills, perhaps he should contact those creditors, and pay back his 132,000.00 that he cheated those people out of!!!!!

First off, thanks for the advice...but I found it very juvenile and unnecessary for you to insult my intelligence because of some mistakes.

At the age of 26, I am pretty sure that you made your share of mistakes, and for that reason is why I posted on this site to get advice from people like yourself that know more about the matter.

So have I learned from this mistake, and yes, I will not find myself in this situation again.


By the way, now days, you go to college to get a JOB, not to get SMARTER, think on that.


Thanks again!

Asset acceptance is, according to Bud Hibbs(,com), a junk debt buyer. They buy bad paperwork for pennies oo the dollar and go through Hell and half of Ga to collect. They, like most of these scum suckers, are very crooked. Check out Hibbs website and see what he says about them and what to do about them.

Just a lack of common sense here.

No "rip off".



Basic common sense would tell you that a process server would not be calling you.

Process servers DO NOT call. EVER.

Think about that a little.



Also, STAY OFF THE PHONE!!!

Again, just common sense.

Phone calls DO NOT EVER protect your rights!



Any legal matters need to be handled ONLY in writing.



That old debt may have been past the legal statute of limitations in your state and may not have been legally collectable.



However, when you got on the phone and made an "agreement to pay", you LEGALLY re-affirmed the debt, and re-started the SOL clock.



The ONLY thing you can dispute now is the AMOUNT.

That's it.

Because you screwed yourself by speaking on the phone with a bottomfeeder.



Under federallaw, and most state laws, a debt collector cannot increase the initial charge off amount with collections fees or other frivolous amounts. The ONLY thing that can be added is the state set amount for "post charge off" interest which is usually around 6%. That's it.



Any other costs need to be awarded by the court.



You need to demand a full itemization of charges, not just a "total".

Do this IN WRITING, and ONLY by certified mail, return reciept requested. Make sure you put the certified# in the body of the letter and keep a copy for your records.