Asset Acceptance Don't Get Ripped by Asset Acceptance You have consumer rights Cleveland Ohio

Do not let Asset Acceptance Rip You Off.
Consumers have rights and Asset Acceptance will do whatever it takes to Rip Consumers off.
If necessary Hire a attorney to defend you, but do not pay Asset Acceptance one single penny.
Asset Acceptance is one of the biggest Consumer Ripoffs in this country.

Do not let Asset Acceptance Rip You Off.
Consumers have rights and Asset Acceptance will do whatever it takes to Rip Consumers off.
If necessary Hire a attorney to defend you, but do not pay Asset Acceptance one single penny.
Asset Acceptance is one of the biggest Consumer Ripoffs in this country.

Do not let Asset Acceptance Rip You Off.
Consumers have rights and Asset Acceptance will do whatever it takes to Rip Consumers off.
If necessary Hire a attorney to defend you, but do not pay Asset Acceptance one single penny.
Asset Acceptance is one of the biggest Consumer Ripoffs in this country.

Do not let Asset Acceptance Rip You Off.
Consumers have rights and Asset Acceptance will do whatever it takes to Rip Consumers off.
If necessary Hire a attorney to defend you, but do not pay Asset Acceptance one single penny.
Asset Acceptance is one of the biggest Consumer Ripoffs in this country.

Correction, bottom feeder...FIRST-ROUND KNOCKOUT HERE...

The Fortune 500 company I work for? One of the top wireless/FiOS providers in the world. Pretty sure we're not going the way of Enron, as we do not illegally inflate our net worth or trade energy - but leave it to a bottom feeder to point to that waste-of-life company right out of the gate...

Let me educate your little pea brain for a moment...Sales positions with a reputable company do not 'suck', unless you see making $60,000-75,000/year with paid benefits, 3 weeks vacation, endless personal days, and 100% matching stock 401K plans as a job that 'sucks'. Yep...pretty sure that you cannot even see me on the food chain...

As for your claim that you know collectors that make over 100k annually, do be sure to say hello to Toto and the tin man...as that claim doesn't come close to passing the laugh test. Would your bottom-feeding, waste of life company be trying to collect on sold, out-of-SOL accounts if their portfolio was worth anything? Grow up junior...and stop your little lies before that wooden nose grows beyond repair.

If you really do want to achieve an employment status like mine, perhaps you should bring your principles up to speed with your ambitions and stop working for a scum-sucking, bottom-feeding waste of life. We MOCK companies like yours because we can take millions of your dollars, dump worthless, uncollectable accounts, then advise customers how to make you go away without paying a cent. Companies like AA are pathetic and worthless - just like those sitting in their pitiful little cubicles...

IF YOU ARE ABSOLUTELY SURE THAT ITS AN ORAL CONTRACT, THEN I WOULDNT EVEN WASTE ANY TIME ON IT! THEY CANT SUE & THEY ARE BEYOND THE SOL FOR CREDIT REPORTING, SO THERE IS NO REASON TO PAY IT AT THIS POINT. I WOULD LET THEM SEND ALL THE LETTERS THEY WANT AS THAT WILL COST THEM MONEY, NOT A LOT BUT IT ADDS SLIGHTLY MORE TO THE OVERALL COST OF BUYING THE PAPER.

IF THEY ARE CALLING, I WOULD HAVE A LITTLE FUN & ASK A LOT OF DETAILED QUESTIONS, THAT WILL WASTE ENOUGH OF THEIR TIME FROM COLLECTING FROM PAYERS THAT THEY WILL NOT WANT TO CALL YOU. ANOTHER THING THAT IS FUN, IS TO PUT THEM ON HOLD A LOT & PLAY THE TV IN THE BACKGROUND LOUDLY WHILE SAYING HUH A LOT. THESE TACTICS ALSO WORK WITH TELEMARKETERS.

SO TRUTHY, ARE YOU ONE OF THE GUYS ON THE ALLTEL COMMERCIALS OR THE DIRTBAG IN THE MALL THAT ALWAYS SAYS "CAN I ASK YOU A QUESTION" OR "WHO DO YOU USE FOR CELL PHONE SERVICE" I ALWAYS WONDERED WHAT THOSE SCUMBAGS DID IN THEIR SPARE TIME. I GUESS THEY SIT ON ROR & BASH COLLECTION AGENCIES!

Ok, I have sent my 'validation' letter, certified and return request, to the Bottom Feeders, 'AKA' Asset Acceptance LLC, yesterday. I will keep posting the progress as it is recieved. Any (valid) information is welcome,(BOTTOM FEEDERS NEED NOT APPLY). Except you Billcoll, I want to hear your input on this, lol. We can show these Bottom Feeders just how their lies are just that! LIES! Thanks! All information/input is welcome.

Let me clarify one more time that I have never purchased a debt portfolio personally. If the company bus a portfolio, and they suffer loss, it's their fault. Sales suck as a profession, and it is actually a lot like collections. The same way you claim to make soooo much money, I know collectors who have made over 100k annually. It's great money. You sit on the phone and sell your product, just like collectors try to get people to pay.

Again, I don't work for AA. Aged debt is bad news. You don't have to have a degree to get a sales position, I have turned down quite a few. To each his own, whatever gets your bills paid. I was 18 years old, and I was making 30k a year straight out of high school.I am back in school for my PHD to make the big bucks. I don't knock you for selling the debt, and you should not knock me for collecting it. Again, your just higher up on the food chain. Okay, you work for a fortune 500 company- wasn't Enron a fortune 500 company at one point? Enough said.

Let me clarify one more time that I have never purchased a debt portfolio personally. If the company bus a portfolio, and they suffer loss, it's their fault. Sales suck as a profession, and it is actually a lot like collections. The same way you claim to make soooo much money, I know collectors who have made over 100k annually. It's great money. You sit on the phone and sell your product, just like collectors try to get people to pay.

Again, I don't work for AA. Aged debt is bad news. You don't have to have a degree to get a sales position, I have turned down quite a few. To each his own, whatever gets your bills paid. I was 18 years old, and I was making 30k a year straight out of high school.I am back in school for my PHD to make the big bucks. I don't knock you for selling the debt, and you should not knock me for collecting it. Again, your just higher up on the food chain. Okay, you work for a fortune 500 company- wasn't Enron a fortune 500 company at one point? Enough said.

Let me clarify one more time that I have never purchased a debt portfolio personally. If the company bus a portfolio, and they suffer loss, it's their fault. Sales suck as a profession, and it is actually a lot like collections. The same way you claim to make soooo much money, I know collectors who have made over 100k annually. It's great money. You sit on the phone and sell your product, just like collectors try to get people to pay.

Again, I don't work for AA. Aged debt is bad news. You don't have to have a degree to get a sales position, I have turned down quite a few. To each his own, whatever gets your bills paid. I was 18 years old, and I was making 30k a year straight out of high school.I am back in school for my PHD to make the big bucks. I don't knock you for selling the debt, and you should not knock me for collecting it. Again, your just higher up on the food chain. Okay, you work for a fortune 500 company- wasn't Enron a fortune 500 company at one point? Enough said.

Let me clarify one more time that I have never purchased a debt portfolio personally. If the company bus a portfolio, and they suffer loss, it's their fault. Sales suck as a profession, and it is actually a lot like collections. The same way you claim to make soooo much money, I know collectors who have made over 100k annually. It's great money. You sit on the phone and sell your product, just like collectors try to get people to pay.

Again, I don't work for AA. Aged debt is bad news. You don't have to have a degree to get a sales position, I have turned down quite a few. To each his own, whatever gets your bills paid. I was 18 years old, and I was making 30k a year straight out of high school.I am back in school for my PHD to make the big bucks. I don't knock you for selling the debt, and you should not knock me for collecting it. Again, your just higher up on the food chain. Okay, you work for a fortune 500 company- wasn't Enron a fortune 500 company at one point? Enough said.

'You continue to classify collection agencies as bottom feeders, but your company sells aged debt, and your aware of it. Did you quit your job? it seems like your just higher up on the food chain. I stated that I did not like out of stat account collections. It's wrong, and it can be proven that they owe. It's harder to collect, and companies who have aged debt will eventually suffer because of consumer education. It seems like you have swam in the sewer pool too.'

As I indicated before (but not surprisingly, you failed to comprehend), we sell our worthless accounts to companies like yours for millions - then our reps tell customers who call how to MAKE YOU GO AWAY. You see, we take your money - then deprive you of your ability to scam...the best of both worlds.

Oh, and as for your inquiry about my job, I work in the business sales support department now. I probably make more in one month than you do with your bottom feeder in a year, but thank you for asking. I swim nowhere near the bottom a sewer, as even when I worked receivables we NEVER called, harassed, or lied to customers about their accounts (unlike some bottom feeders I know...). I work for a company in the Top 20 of the Fortune 500 list. Exactly where does AA fall on that list? Funny. I checked not only the 500, but the full 1000 as listed on CNN's website. Asset Acceptance is NOWHERE TO BE FOUND. Could that be because they are a pathetic excuse for a business that only makes money when it scapes the bottom of a dingy?

...and the bottom feeder is down for the count...8...9...10

I never paid 3 million for any collection portfolio. I am in the process of suing a collection agency for violations. You continue to classify collection agencies as bottom feeders, but your company sells aged debt, and your aware of it. Did you quit your job? it seems like your just higher up on the food chain. I stated that I did not like out of stat account collections. It's wrong, and it can be proven that they owe. It's harder to collect, and companies who have aged debt will eventually suffer because of consumer education. It seems like you have swam in the sewer pool too.

Not all collectors are bad, and the bad ones should be taken down. BOTTOM LINE. That's why we get treated like crap. Don't be so bitter, it's good that you know information. What about third parties that don't collect on aged debt? Do you hold the same opinions against them?

Daniel, you wrote, 'each time that balance is bought and sold to another company it's fresh, it resets everything.'

Nice try, bottom feeder...but ONLY a payment, discussion of a payment, or a payment arrangement can re-start the SOL on a debt. If the lie you are trying to pass off was actually true, there would be no SOL on debt. It would simply be bought and sold over and over again until someone close enough to the consumer could sue him for it.

You see, people...THIS is the kind of garbage that these bottom feeders try to pass off to get you to pay an uncollectible debt. DO NOT FALL FOR THEIR TRICKS! Simply send the scum-sucking parasite a CEASE COMMUNICATIONS LETTER and away they go to the next worthless account they bought for pennies on the dollar. Once they violate this ORDER from you to stop calling and/or sending you any further communications, YOU may sue THEM for damages per failing to adhere to the provisions of the FDCPA.

What is it you say, Steve? Don't get mad...GET PAID!

Hi, were you actually a victim of this company? It appears to only be a smear against a debt collections company. As for them hiding behind a pobox, wouldn't you? How muc hate do you think debt collection companies get?

They would probably have bomb threat after bomb threat if they listed their information. The majority of purchased debts out there are legitimate debts that need dealt with. From the statue of limitations that you are talking about, are you just tring to say people that don't pay debts are able to just "wait it out"? That's not how debt works, each time that balance is bought and sold to another company it's fresh, it resets everything.

I would suggest that people pay their bills on time so they don't end up in collection in the first place. If you are a victim of collection due to unauthorized account activity then you need to take proper actions to resolve the issue. If banks and other lending industries weren't able to sell off bad debt the people that don't pay their bills are going to affect you more and more everyday.
Best Regards

When you work for a company that buys old, out-of-SOL debt, you become part of that company's image. Asset Acceptance KNOWS that the accounts it purchases are legally uncollectible. However, its reps call, harass, misrepresent facts, and use every legal and illegal tactic possible to collect on AA's 'investment'. THAT makes them bottom feeders - and since you work for them, you are one of them.

No matter how civil you may claim to be, when you are a part of this despicable process you cannot distance yourself from it. I work for a company that sells debt to scumbags like AA - then advises customers on the phone how to make them go away. I know for a FACT that you do not receive enough information regarding sold accounts to ever properly validate them per the provisions of the FDCPA. Basically, we take your three million dollars for these uncollectible accounts - then leave you with nothing but a piece of paper, an old address, and an old phone number.

You ARE right about one thing: Education is key. If consumers educated themselves regarding their rights per the FDCPA, bottom feeders would be out of business in six months...guaranteed. After you receive a CEASE COMMUNICATIONS LETTERS from all these consumers, your days collecting on sold accounts would be over. You would wake up to the realization that you paid three million dollars for endless boxes of used paper.

Robert,

You are DEAD WRONG here. You need to learn how to read the WHOLE thing and in proper context!

"Assumed valid" means nothing. The Consumer / debtor DOES NOT lose any rights if he/she does not respond in 30 days or even at all. This too, is CLEARLY spelled out in the FDCPA.

Pay particular attention to 809(c):
(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Furthermore, the $1000 punitive is an aggregate for all violations for which charges have been brought at one time. If you bring charges for 6 offenses at 1 time, you can only get a MAX of $1000 in punitive damages. Notice the law says "up to" $1000.

If you file charges at different times, and they are different cases, you can get UP TO $1000 each in punitive damages, but you are presenting those 6 cases separately.

I am very familiar with this as I have actually done it, and been paid. I know exactly what I am talking about, from REAL experience.

>>

The FULL text of that section:

809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is
contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days
after receipt of the notice, disputes the validity of the
debt, or any portion thereof, the debt will be assumed
to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of
a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the
debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original credi- 15 USCtor, 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. Collection activities and communications that do not otherwise violate this title may continue during the 30-day period referred to in subsection (a) unless the
consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer
requests the name and address of the original creditor.
Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or
request the name and address of the original creditor.
(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
(d) A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection (a).
(e) The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by the Internal Revenue Code of 1986, title V of
Gramm-Leach-Bliley Act, or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.

>>>>
Robert wrote:

Actually there IS a 30 day window in the FDCPA
''First of all, there is no requirement on your end for a 30 day response. ''

Yes there is IF YOU WISH TO SET THEM UP FOR A LAWSUIT, and the FDCPA mentions it several times. It is important to meet the 30 day window if you wish to be successful in suing them for FDCPA violations. Steve is correct about the $1000. However, that's $1000 PER VIOLATION. So, if Steve is correct that they 'never' complyI've seen a few comply,) the failure to validate per the FDCPA will put another $1000 in you pocket if you sue them.

The name of the game is to set them up for FDCPA violations that can be PROVED.

From Section 809:

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the
consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the
consumer with the name and address of the original creditor, if different from the current creditor.
(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) 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.

''There is no requirement at all on your ent to respond. Failure to respond to a debt collector does not ever affect your legal rights, as per the FDCPA.''

The FDCPA is pretty specific about this. It DOES EFFECT your odds of winning a lawsuit in district court for FDCPA violations. At least it does in the District Court here.

''Furthermore, forget the debt validation request, etc. It is a waste of time, as you will never get a response from these crackheads.''

GREAT! Another violation, another $1000. The FDCPA specifically grants $1000 PER VIOLATION. I always advise folks to demand validation when they are disputing the debt.

''DO NOT sign the letter, and do not provide any information they did not put on the initial collections letter.''

This is where I disagree with Steve (I mostly agree with him on almost all issues on ROR.) I understand why he suggests not signing your letter. However, if your going to sue in district court, guess what? An unsigned letter may not be considered valid - it's not 'from ' anyone. I recommend signing the letter so as to prevent the chance of the letter being subject to demurer. If you're gonna go after them in court, ya wanna make it as easy as possible for the judge to decide your way.

''Now, when they violate your LEGAL request, YOU can sue them under the provisions of the FDCPA for up to $1000 punitive damages and court costs, and also a civil award for actual damages/losses.''

Yes indeed! And there failure to validate the debt will add another $1000 to your wallet!

''Why not just get paid by the bottomfeeder?''

Yes Indeedy! But get paid as MUCH AS YOU CAN. Ya have to set them up for as many violations as you can. It's much easier to win if you follow the requirements of the FDCPA to the letter!

Good luck.
>>>

I'm a collector too, and while I don't totally agree with Billcoll1, it's a job. We are not bottom feeders. It's a great way to make money, and has put me through college. I have leraned a lot about financial responsibility. I don't pass judgement, I'm in debt too.

I enjoy helping people settle accounts, and get their credit reports updated. People still want to make good on thier debts. I have worked with out of stat accounts, and I didn't like it. People have still paid because they owe the debt. I familiar with Steve, I have found it quite entertaining how he avoids paying his bills. Education is key here, and he utilizes what he knows. Hey Steve, if you know state laws, can the original creditor call me from Missouri at 7am? I'm central standard time. And before you guys insult me, I'm not too familiar with my state laws. I'm just a collector thats a consumer.

I'm a collector too, and while I don't totally agree with Billcoll1, it's a job. We are not bottom feeders. It's a great way to make money, and has put me through college. I have leraned a lot about financial responsibility. I don't pass judgement, I'm in debt too.

I enjoy helping people settle accounts, and get their credit reports updated. People still want to make good on thier debts. I have worked with out of stat accounts, and I didn't like it. People have still paid because they owe the debt. I familiar with Steve, I have found it quite entertaining how he avoids paying his bills. Education is key here, and he utilizes what he knows. Hey Steve, if you know state laws, can the original creditor call me from Missouri at 7am? I'm central standard time. And before you guys insult me, I'm not too familiar with my state laws. I'm just a collector thats a consumer.

I'm a collector too, and while I don't totally agree with Billcoll1, it's a job. We are not bottom feeders. It's a great way to make money, and has put me through college. I have leraned a lot about financial responsibility. I don't pass judgement, I'm in debt too.

I enjoy helping people settle accounts, and get their credit reports updated. People still want to make good on thier debts. I have worked with out of stat accounts, and I didn't like it. People have still paid because they owe the debt. I familiar with Steve, I have found it quite entertaining how he avoids paying his bills. Education is key here, and he utilizes what he knows. Hey Steve, if you know state laws, can the original creditor call me from Missouri at 7am? I'm central standard time. And before you guys insult me, I'm not too familiar with my state laws. I'm just a collector thats a consumer.

I'm a collector too, and while I don't totally agree with Billcoll1, it's a job. We are not bottom feeders. It's a great way to make money, and has put me through college. I have leraned a lot about financial responsibility. I don't pass judgement, I'm in debt too.

I enjoy helping people settle accounts, and get their credit reports updated. People still want to make good on thier debts. I have worked with out of stat accounts, and I didn't like it. People have still paid because they owe the debt. I familiar with Steve, I have found it quite entertaining how he avoids paying his bills. Education is key here, and he utilizes what he knows. Hey Steve, if you know state laws, can the original creditor call me from Missouri at 7am? I'm central standard time. And before you guys insult me, I'm not too familiar with my state laws. I'm just a collector thats a consumer.

""First of all, there is no requirement on your end for a 30 day response. ""

Yes there is IF YOU WISH TO SET THEM UP FOR A LAWSUIT, and the FDCPA mentions it several times. It is important to meet the 30 day window if you wish to be successful in suing them for FDCPA violations. Steve is correct about the $1000. However, that's $1000 PER VIOLATION. So, if Steve is correct that they "never" complyI've seen a few comply,) the failure to validate per the FDCPA will put another $1000 in you pocket if you sue them.

The name of the game is to set them up for FDCPA violations that can be PROVED.

From Section 809:

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the
consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the
consumer with the name and address of the original creditor, if different from the current creditor.
(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) 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.

""There is no requirement at all on your ent to respond. Failure to respond to a debt collector does not ever affect your legal rights, as per the FDCPA.""

The FDCPA is pretty specific about this. It DOES EFFECT your odds of winning a lawsuit in district court for FDCPA violations. At least it does in the District Court here.

""Furthermore, forget the debt validation request, etc. It is a waste of time, as you will never get a response from these crackheads.""

GREAT! Another violation, another $1000. The FDCPA specifically grants $1000 PER VIOLATION. I always advise folks to demand validation when they are disputing the debt.

""DO NOT sign the letter, and do not provide any information they did not put on the initial collections letter.""

This is where I disagree with Steve (I mostly agree with him on almost all issues on ROR.) I understand why he suggests not signing your letter. However, if your going to sue in district court, guess what? An unsigned letter may not be considered valid - it's not "from " anyone. I recommend signing the letter so as to prevent the chance of the letter being subject to demurer. If you're gonna go after them in court, ya wanna make it as easy as possible for the judge to decide your way.

""Now, when they violate your LEGAL request, YOU can sue them under the provisions of the FDCPA for up to $1000 punitive damages and court costs, and also a civil award for actual damages/losses.""

Yes indeed! And there failure to validate the debt will add another $1000 to your wallet!

""Why not just get paid by the bottomfeeder?""

Yes Indeedy! But get paid as MUCH AS YOU CAN. Ya have to set them up for as many violations as you can. It's much easier to win if you follow the requirements of the FDCPA to the letter!

Good luck.

Whitetail,

First of all, there is no requirement on your end for a 30 day response. There is no requirement at all on your ent to respond. Failure to respond to a debt collector does not ever affect your legal rights, as per the FDCPA.

Furthermore, forget the debt validation request, etc. It is a waste of time, as you will never get a response from these crackheads.

Just send a CEASE COMMUNICATIONS request by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your records. This procedure is VERY important. DO NOT sign the letter, and do not provide any information they did not put on the initial collections letter. Do not volunteer anything or reference any debt. Keep it simple. Short is better.

Now, when they violate your LEGAL request, YOU can sue them under the provisions of the FDCPA for up to $1000 punitive damages and court costs, and also a civil award for actual damages/losses.

Why not just get paid by the bottomfeeder?

Don't get mad, GET PAID!

People are sick and tired of you and your bottomfeeding trash buddies circumventing the law and trying to catch unsuspecting victims in their net because these lowlifes don't have the skills nor the sense to work at REAL jobs. Your excuse is well they owe it and are deadbeats who should pay up no matter if the SOL has run or not. (((Expletive deleted)))

My mother is a little older than me, don't you think; so you fail at the age thinkg, as well. Is there anything you know? If so, I have failed to see it. Wow, are you now claiming you have psychic powers that can predict someone's gender by their writing? I guess I could type in all caps and act like I was all macho too, but typing in caps illustrates one of two things, you're lazy or your angry.

However I do understand your point. We all know that it is NOT illegal to buy or sell an old dept. If I had something that was pretty much USELESS and someone was willing to pay me for it, I would SELL it also! It may not be illegal for them to buy old debts as it is NOT illegal to NOT pay them debts as well. (by law of course)

I look at it like this. If Steve was to loan you money, lets say $1000.00, and you do not pay him. Then I go to Steve and give him $10.00 for your name, address, phone number and how much YOUR dept was. Can you actually say it would be right if I then came to you and said that YOU owe ME the $1000.00 ?? Anyone in their right mind would say. GO TO HE__! I am quite sure this is what YOU would tell ME to do! There really is no difference in what these "bottom feeders" are doing!

LET ME BE CLEAR ON 1 THING. I HAVE SAID THIS OVER & OTHER BUT THE BUD HIBBS ZOMBIES ON HERE ONLY SEE BLACK & WHITE I DONT DEFEND COLLECTION AGENCIES!

IF A COMPANY, ANY COMPANY BREAKS THE LAW OR VIOLATES A PERSONS RIGHTS, THERE SHOULD BE A PRICE PAID! THE PROBLEM THAT I HAVE IS WHEN PEOPLE LIKE STEVE & FARON & BUD HIBBS ADVOCATE A SET UP IN ORDER TO PROFIT. THATS NO BETTER THAN A SLIP & FALL SCEME. STEVE CLAIMS TO BE A TRUCK DRIVER, WHAT IF SOMEONE JUMPED OUT AT HIS TRUCK IN ORDER TO SUE HIM & THE COMPANY HE WORKS FOR? NOW FOR TRUCK DRIVERS, THERE IS INSURANCE FOR SUCH THINGS, BUT UNDER THE RIGHT CIRCUMSTANCES, STEVE COULD END UP WITH INCREASED INSURANCE COSTS OR POINTS ON HIS CDL. IS THAT FAIR!

I HAVE 3 CLIENT S THAT ARE IN FDCPA LITIGATION RIGHT NOW! WHY? BECAUSE THOSE AGENCIES VIOLATED MY CLIENTS RIGHTS. I AM VERY CAREFUL WHEN I TELL A CLIENT TO SUE DO TO MY OWN EXPERIENCES AS A COLLECTOR. I HAD A LOT OF PISSED OFF PEOPLE TRY TO TAKE ME DOWN OVER THE YEARS. I GOT AT LEAST 20 AG COMPLAINTS, ALMOST ALL WERE FOR A DIFFERENT REASONS & ALL WERE COMPLETE CRAP. MOST COULD BE PROVEN WITH PHONE RECORDS ALONE. ONE WOMEN IN TX SAID I CALLED HER FROM THE OFFICE LINE AT 7:02 IN THE MORNING ON A DAY WHEN NO ONE WAS IN UNTIL 9AM TX TIME! ANOTHER ONE CLAIMED THAT I CALLED HER AT ALMOST 10PM BUT FROM MY CELL PHONE, BUT SHE COULDNT TELL THE AG OFFICE WHAT MY CELL PHONE NUMBER WAS. ANOTHER SENT DEMAND LETTER FOR DAMAGES BECAUSE I WAS CALLING HER PARENTS HOUSE, THAT WAS DROPPED WHEN WE GOT A REPORT FROM THE TAX ASSESSOR & THE PHONE PHONE COMPANY THAT BOTH SHOWED THAT WE HAD THE RIGHT INFO. IT WAS DROPPED WHEN THE COMPANY ATTORNEY SENT A SWORN STATEMENT FOR THE DEBTOR TO SIGN THAT STATED THAT UNDER PENALTY OF PERJURY, THAT SHE DID NOT LIVE THERE. THE LIST OF BOGUS COMPLAINT GOES ON.

AS LONG AS PEOPLE LIKE STEVE, FARON & BUD HIBBS & CREW ARE ALLOWED TO INCITE PEOPLE TO s**t ON THE LEGAL SYSTEM BY PULLING SCAMS ON COMPANIES, NO ONE IS SAFE. WHY NOT GO INTO STORES & PRETEND LIKE YOU ARE SHOPLIFTING TO SUE THEM FOR UNLAWFUL DETENTION OR ACT LIKE YOUR EXTREMELY NERVOUS IF A POLICE OFFICER PULLS YOU OVER AS SO JUST MAYBE HE WILL SAY OR DO SOMETHING THAT GOES TOO FAR. I HAVE ALREADY SEEN THAT HERE. 2 TEMPE, AZ POLICE OFFICERS SUSPENDED WITHOUT PAY WHEN THEY PU2 GUYS OVER FOR LITTERING & ONE OEM ID THEMSELVES AS RAPPERS SO THE OFFICERS TOLD THEM THAT IF THEY PERFORMED A RAP FOR THEM THAT THEY WOULDNT GIVE THEM THE 250.00 TICKET FOR THE LITTERING. THE RAPPERS HAPPILY DID A RAP & NO TICKET WAS ISSUED. THE NEXT DAY AN ATTORNEY TOLD THEM THEY SHOULD CALL IT DISCRIMINATION & SUE. SUDDENLY THEY FILE A COMPLAINT & THE ATTORNEY IS IS CLAIMING THAT HIS CLIENTS ARE TOO EMOTIONALLY DISTRESSED TO WORK & NEED MENTAL HELP! GIVE ME A BREAK! HAD IT BEEN A COUPLE OF WHITE GUYS, NOTHING ELSE WOULD HAVE BEEN SAID.

THE POINT IS, I & A LOT OF OTHER PEOPLE ARE TIRED OF PAYING HIGHER PRICES BECAUSE DUE TO PEOPLE THAT WANT TO RIP OFF COMPANIES & GOVERNMENTS AS FOR STEVE THE ALLEGED TRUCK DRIVER, IF IT MAKES YOU FEEL GOOD TO TATTLE TALE TO ROR, THAN GO FOR IT. IM SURE TATTLE TAIL WAS ONE OF YOUR NICKNAMES IN HIGH SCHOOL, THAT IS, IF YOU MADE IT THAT FAR . NOW THAT YOU ARE NIT PICKING SPELLING ERRORS, ARE YOU GOING TO PICK ON WHITETAIL FOR responce,'dipute validation' OF COURSE NOT. YOU DONT PICK ON ANYONE THAT AGREES WITH YOU.

AS FOR FARON LOOK LIKE YOUR RIGHT ON THE NAME THING The boy's name Faron pronounced fah-ROHN. It is of Spanish origin, and its meaning is "pharaoh". MAYBE IF YOU WROTE MORE LIKE A MAN & LESS LIKE A HOUSEWIFE, PEOPLE WOULDNT MAKE THAT MISTAKE. AS FAR AS CLOSING DOWN NCO & AA, IF THEY ARE BREAKING LAWS & PEOPLES RIGHTS, THAN I AGREE THEY NEED TO GO, KEEP IN MIND THAT BUYING & SELLING DEBT, NO MATTER HOW OLD IS NOT ILLEGAL.

BY THE WAY I LOOKED UP FARON YOUNG ON WIKI THIS GUY DIED IN 1996 NOT EVER HEARING OF HIM DOESNT MAKE ME OLD, IT MAKES YOU OLD. HERE ARE SOME OF HIS MOLDY OLDIES
"If You Ain't Lovin' (You Ain't Livin')"
"Live Fast, Love Hard, Die Young"
"Sweet Dreams"
"Alone With You"
"Hello Walls" (written by Willie Nelson)
"It's Four In The Morning" (written by Jerry Chesnut).
"Here I Am In Dallas"
"I've Got Five Dollars and It's Saturday Night"

Thanks for the responce Steve. The account in question is a phone bill. Which is an oral account. I do understand that the 7 years for the credit report doesnt affect collections on any account. I last had this phone bill sometime late "99" no later than early "00". From what I have found for the SOL in my state, the 7 years that this account was on my credit report was more that the alotted time for "legal" actions on an "oral" account. As is what they are trying to collect on.

I have read that I should send them a "dipute validation" letter within the thirty days, but I also read that I should send them a "cease communication letter" within the thirty days as well? I highly doubt both of these letters would fly within the thirty days. Unless I send them at the same time? Maybe send the verification letter AND ask for them to cease communications until this is met? I really am not sure how to go about this. Hence, why I am writing here.

Any help with this would be appreciated. From everything I have read, over the past 2 days, I dont think they have any means to make me pay this. Other than mere threats. Here is what I found for SOL in my state (OHIO)


Ohio Statutes of Limitation

Written or oral account: 6 years, (O.R.C. 2305.07).

Written contract: 15 years, (O.R.C. 2305.06).

Oral contract: 6 years (O.R.C. 2305.07).

Note payable at a definite time: 6 years, (O.R.C. 1303 .16(A)); (2)).

Demand note: 6 years after the date on which demand is made or 10 years if no demand is made and neither principal nor interest has been paid over that time (O.R.C. 1303.16(B)).

Dishonored check or draft: 3 years after dishonor, (O.R.C. 1303.16 (C)).




Whitetail, you are out of luck. The SOL in OHIO is 15 years!
'Whitetail',

First, make sure you understand that the SOL for credit reporting has absolutely nothing to do with the SOL for debt collections. They are 2 entirely different things.

Just because it is past 7 years and off your credit report, does not mean that the debt cannot be legally collected, and enforced by the courts.

It all depends on the amount of the debt and your ability to pay. Do you want to dodge these pricks for the next 7 years, or do you want to pay and be done with it? It all depends on you and what you are prepared to do.

Also, if you have no assets and no extra income, there really isn't much of anything they can get. They can sue you and get a garnishment, but that amount is limited by law, and you can get out of that by filing hardship. There are all kinds of loopholes, especially if you are a single mother, etc. Would the garnishment put you on welfare? Hardship granted. Etc.

Just dodge them for now. Do not respond in any way. NEVER speak to a bottomfeeder on the phone, and never give them any personal, financial, or employment info. NOTHING!

"Whitetail",

First, make sure you understand that the SOL for credit reporting has absolutely nothing to do with the SOL for debt collections. They are 2 entirely different things.

Just because it is past 7 years and off your credit report, does not mean that the debt cannot be legally collected, and enforced by the courts.

It all depends on the amount of the debt and your ability to pay. Do you want to dodge these pricks for the next 7 years, or do you want to pay and be done with it? It all depends on you and what you are prepared to do.

Also, if you have no assets and no extra income, there really isn't much of anything they can get. They can sue you and get a garnishment, but that amount is limited by law, and you can get out of that by filing hardship. There are all kinds of loopholes, especially if you are a single mother, etc. Would the garnishment put you on welfare? Hardship granted. Etc.

Just dodge them for now. Do not respond in any way. NEVER speak to a bottomfeeder on the phone, and never give them any personal, financial, or employment info. NOTHING!



>>>>
I HAVE JUST BEEN INITIATED FROM THE AA 'BOTTOM FEEDER'!
Hi all! Looking for some insight on a recent letter from AA 'Asset Acceptance'.

Some basic info: The letter comes from 8 years old! I know that this account has already been on my credit report and stayed for the time allowed, from the original creditor. I am fairly young and never paid much attention to my credit report until about 2 years ago. This is when I seen the original account on my report. I knew it was ready to 'expire' from my report. It has been taken off about a year ago.

As of yesterday, I recieved a letter from AA
stating 'It is our pleasure to welcome you as a new customer'. HA HA.....I BET IT IS! Anyway, I am just looking for the 'proper' way I should handle this. NOT YOU BILLCOLL(AKA bottomfeeder
employee!)
HA HA....... THANKS!

Whitetail
Xenia, Ohio
U.S.A.
>>>>

Hi all! Looking for some insight on a recent letter from AA "Asset Acceptance".

Some basic info: The letter comes from 8 years old! I know that this account has already been on my credit report and stayed for the time allowed, from the original creditor. I am fairly young and never paid much attention to my credit report until about 2 years ago. This is when I seen the original account on my report. I knew it was ready to "expire" from my report. It has been taken off about a year ago.

As of yesterday, I recieved a letter from AA
stating "It is our pleasure to welcome you as a new customer". HA HA.....I BET IT IS! Anyway, I am just looking for the "proper" way I should handle this. NOT YOU BILLCOLL(AKA bottomfeeder
employee!)
HA HA....... THANKS!

Hi all! Looking for some insight on a recent letter from AA "Asset Acceptance".

Some basic info: The letter comes from 8 years old! I know that this account has already been on my credit report and stayed for the time allowed, from the original creditor. I am fairly young and never paid much attention to my credit report until about 2 years ago. This is when I seen the original account on my report. I knew it was ready to "expire" from my report. It has been taken off about a year ago.

As of yesterday, I recieved a letter from AA
stating "It is our pleasure to welcome you as a new customer". HA HA.....I BET IT IS! Anyway, I am just looking for the "proper" way I should handle this. NOT YOU BILLCOLL(AKA bottomfeeder
employee!)
HA HA....... THANKS!

Hi all! Looking for some insight on a recent letter from AA "Asset Acceptance".

Some basic info: The letter comes from 8 years old! I know that this account has already been on my credit report and stayed for the time allowed, from the original creditor. I am fairly young and never paid much attention to my credit report until about 2 years ago. This is when I seen the original account on my report. I knew it was ready to "expire" from my report. It has been taken off about a year ago.

As of yesterday, I recieved a letter from AA
stating "It is our pleasure to welcome you as a new customer". HA HA.....I BET IT IS! Anyway, I am just looking for the "proper" way I should handle this. NOT YOU BILLCOLL(AKA bottomfeeder
employee!)
HA HA....... THANKS!

Here's a pop quiz of your written English comprehension:

I posted the "settlement offer" that I received from Vital Recovery Services back in 2004. If you search for fightingdebtcollectors in yahoo groups you will find the group I created today. You'll also find the letter I sent to Sherman Acquisitions to dispute the debt.

Keep in mind that this was the only mailing I received from VRS, even after talking with them on the phone several times and demanding they comply with the FDCPA. Heck, these jerks wouldn't even tell me who owned the debt until I threatened them with legal action. They only offered me 2 ways to resolve this bogus debt; pay what they wanted or hire a lawyer. I tossed a THIRD option at them; formal complaints to the NY and Georgia AG and a criminal complaint to the FBI. THEN they told me who the creditor was and gave me a phone number for Sherman Acquisitions. The never did give me the contact information for Sherman Acquisitions IN WRITING as required by the FDCPA (and I specifically requested this information in writing.)

Why don't you give it a peek and tell me how it complies with these requirements of Section 809 or the FDCPA? Post a rebuttal here with your detailed explanation of how this settlement offer from VRS meets these requirements.

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) 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.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Asset Acceptance must be more than thrilled with Billco. He has kept them on page 1 of ROR for weeks. Keep up the good work!

I hear they are sending him a gold ROLEX watch to show their appreciation for his loyal and dedicated service. The watch is in the mail!

NICE THAT HE COULD ADD HIS 2 CENTS, LITERALLY!! I TOLD IN MY POST WHERE TO FIND SUCH A LETTER ON HERE. WHEN YOU GET BACK FROM HONEYMOONING
WITH ROBERT GO LOOK FOR IT

The FDCPA deals with direct communication between the debt collector and the consumer debtor. Nothing on any corporate website belonging to any debt collection agency fulfills the requirement for the debt collection agency to directly communicate to the debtor the rights and entitlements of the FDCPA.

I have never, in over 25 years, seen a debt collector fulfill these requirements UNLESS it was brought to their attention that they were violating the FDCPA and appropriate government agencies would be notified and the appropriate civil suit in district court would be filed if they did not comply with the requirements of Section 809 of the FDCPA.

The FDCPA is very specific as to the STATEMENTS that the debt collector must make directly to the consumer debtor. These statements are to made without provocation (or threat of legal or civil action) by the consumer debtor. ANY THING LESS is a violation (or violations) of the FDCPA and can be delt with via the States AG offices and district court.

I guess BillColl doesn't understand what the phrase ""without provocation"" means as well as the phrase "a statement that...""

I don't believe for a minute that Billcoll is a "credit counselor" or that he ever worked for a collection agency.

The FDCPA deals with direct communication between the debt collector and the consumer debtor. Nothing on any corporate website belonging to any debt collection agency fulfills the requirement for the debt collection agency to directly communicate to the debtor the rights and entitlements of the FDCPA.

I have never, in over 25 years, seen a debt collector fulfill these requirements UNLESS it was brought to their attention that they were violating the FDCPA and appropriate government agencies would be notified and the appropriate civil suit in district court would be filed if they did not comply with the requirements of Section 809 of the FDCPA.

The FDCPA is very specific as to the STATEMENTS that the debt collector must make directly to the consumer debtor. These statements are to made without provocation (or threat of legal or civil action) by the consumer debtor. ANY THING LESS is a violation (or violations) of the FDCPA and can be delt with via the States AG offices and district court.

I guess BillColl doesn't understand what the phrase ""without provocation"" means as well as the phrase "a statement that...""

I don't believe for a minute that Billcoll is a "credit counselor" or that he ever worked for a collection agency.

The FDCPA deals with direct communication between the debt collector and the consumer debtor. Nothing on any corporate website belonging to any debt collection agency fulfills the requirement for the debt collection agency to directly communicate to the debtor the rights and entitlements of the FDCPA.

I have never, in over 25 years, seen a debt collector fulfill these requirements UNLESS it was brought to their attention that they were violating the FDCPA and appropriate government agencies would be notified and the appropriate civil suit in district court would be filed if they did not comply with the requirements of Section 809 of the FDCPA.

The FDCPA is very specific as to the STATEMENTS that the debt collector must make directly to the consumer debtor. These statements are to made without provocation (or threat of legal or civil action) by the consumer debtor. ANY THING LESS is a violation (or violations) of the FDCPA and can be delt with via the States AG offices and district court.

I guess BillColl doesn't understand what the phrase ""without provocation"" means as well as the phrase "a statement that...""

I don't believe for a minute that Billcoll is a "credit counselor" or that he ever worked for a collection agency.

To quote Billco,

'AS FAR AS A SCAN, I LEGALLY CANT DO THAT WITHOUT PERMISSION FROM ONE OF MY CLIENTS & THATS NOT SOMETHING THAT I WOULD ASK THEM TO PROVE SOMETHING FOR THE LIKES OF YOU'.


Just blank out your clients name and address and then scan it. Let us all see what you are jabbering about.

you cap lock stuck. All they are attempting to do is to get some poor unsuspecting sucker to fall for their con. I do think it won't be too long before these bottom feeders like Asset Acceptance and yes, NCO will be shut down by State AGs. My bad on the creditor/debtor but you understood the point.

And no, only an idiot would not recognize Faron is a male name. I guess you must be too old for the deceased country western singer, MR Faron Young.

WHAT PART OF EVERY AGENCY DO YOU NOT UNDERSTAND? I REALIZE THAT THE SHORT BUSSERS DONT TAKE THE BEST CLASSES IN SCHOOL, BUT EVERY MEANS ALL. THEY ALL DO!!!

IF YOU WANTED TO ASK A VALID QUESTION ALONG THESE LINES, IT SHOULD HAVE BEEN; DO THEY NOTIFY THE DEBTOR OF THEIR STATE RIGHTS? THE ANSWER TO THAT IS NOT ALWAYS. BUT THE FEDERAL DISCLOSURES ARE ALWAYS ON THE INTITIAL DEMAND LETTER, LET ME REPEAT FOR THE SLOW ONES..ALWAYS. AS FAR AS A SCAN, I LEGALLY CANT DO THAT WITHOUT PERMISSION FROM ONE OF MY CLIENTS & THATS NOT SOMETHING THAT I WOULD ASK THEM TO PROVE SOMETHING FOR THE LIKES OF YOU.

I DID SEE A POST YESTERDAY THAT WAS POSTED ON THE 26TH OF A GUY MAD ABOUT A MEDICAL COLLECTION & HE COPIED EVERY WORD OF A SETTLEMENT OFFER HE GOT & IT SEEMED TO CONTAIN ALL THOSE ELUSIVE DISCLOSURES THAT YOU CANT FIND. HARD TO IMAGINE WITH ALL THOSE LITTLE OLD CHURCH LADIES THAT YOU "HELP FOR FREE", I IMAGINE IF YOU LOOK FOR IT, YOU CAN FIND IT & YOU WILL HAVE THAT 1 THAT YOU DONT THINK EXISTS. I HAVE WORKED FOR NCO, NATIONWIDE CREDIT & VAN RU, THEY ALL NOT ONLY PROVIDE THE REQUIRED FEDERAL DISCLOSURES, BUT ALSO THE STATE ONES AS WELL. WITH FUTURE POSTINGS, TRY DOING YOUR RESEARCH 1ST SO YOU DONT APPEAR AS STUPID AS FARON, LIKE YOU DID ON YOUR LAST POST. AS FAR AS ADDRESS AVAILABILITY HERE IS WHAT I FOUND IN 10 SECONDS OF INTERNET SEARCHING. I WOULD HOPE YOUR AT LEAST SMART ENOUGH TO DO A SIMPLE GOOGLE SEARCH.

FROM THE COMPANY WEBSITE..EVEN OFFERS DIRECTIONS

Van Ru Credit Corporation
1350 E. Touhy Avenue
Suite 300E
Des Plaines, Illinois 60018


Van Ru Credit Corporation
4415 S. Wendler Drive
Suite 200
Tempe, AZ 85282

Van Ru Credit Corporation
8550 E. Ulmerton Road
Suite 225
Largo, Florida 33771


Van Ru Credit Corporation
11745 W. Bradley Road
Milwaukee, WI 53224

Van Ru International
Oficentro La Virgen 1, Edificio G.
La Uruca
San Jos, Costa Rica

NATIONWIDE CREDIT FROM THEIR WEBSITE AGAIN A 10 SECOND SEARCH

4700 Vestal Parkway East
Vestal, NY 13850-4750

2015 Vaughn Road, Bldg. 400 CORP OFFICE
Kennesaw, GA 30144

TWS Tower 3, 4th Floor
International InfoTech Park
Vashi Railway Station Complex
Vashi, Navi Mumbai 400 705
India


3600 East University Dr
Suite B-1350
Phoenix, AZ 85034

3010 Corporate Way
Miramar, FL 33025

3835 N. Freeway Blvd
Suite 115
Sacramento, CA 95834

104-3962 Borden Street
Victoria, BC V8P 3H8
Canada


SO FAR I HAVE FOUND MORE INFO IN 20 SECONDS THAN YOU HAVE BEEN ABLE TO FIND IN HOW MANY YEARS DID YOU SAY? HERE IS NCO ANOTHER 10 SECONDS

United States NCO Financial Systems, Inc.
507 Prudential Road
Horsham, PA 19044

Canada NCO Financial Services Inc.
75 Port Royal East, Suite 240
Montreal, Quebec H3L 3T1

United Kingdom NCO Europe Ltd.
Old Docks House
Watery Lane
Preston, England PR2 1AU


"WHAT THIS MEANS, is that the debt collector must do more than merely provide a return address on whatever correspondence that was mailed to the debtor. The correspondence MUST INCLUDE STATEMENTS informing the debtor of these rights provided by the FDCPA." SHOW ME IN THE FDCPA WHERE IT SAYS THAT A PHYSICAL ADDRESS HAS TO BE PROVIDED!! YOU CANT BECAUSE ITS NOT IN THERE

''Do they provide this knowledge in writing within 5 DAYS of the intitial contact? EVERY AGENCY THAT I EVER WORKED FOR MAILED THE INITIAL DEMAND LETTER WITHIN 1-2 DAYS OF PLACEMENT
AGENCIES HAVE NO REASON TO DELAY SENDING THIS INFORMATION''

NOW COPY & PASTE GUY, WHY WOULD A COMPANY THAT PROFITS FROM COLLECTING DEBTS, DELAY SENDING OUT A LETTER THAT HELPS THEM MAKE THAT PROFIT, HOW SHORT WAS YOUR SCHOOL BUS CORKY?
NOW, MOVE ALONG & LOOK FOR THAT OTHER POST THAT I WAS TALKING ABOUT AS THE DISCLOSURE IS THE SAME AS ALL THE OTHER ONES I HAVE SEEN WITH THE EXCEPTION OF THE 30 DAY NOTICE

HERE IS A SITE THAT MIGHT HELP YOU OUT WITH YOUR DISABILITY
kyvl.org/html/kids/homebase.html

""I FOUND THE PAGE WITH YOUR QUESTIONS ROBERT""

I'm thrilled! It only took you over 2 weeks, and even then I had to tell you where it was. Gee, scroll up and you'd have found it.

""Do debt collectors specifically inform the debtor of their right to dispute and validate the alleged debt? YES THEY DO, IT HAPPENS TO BE LAW THAT IT IS ON THE INITIAL DEMAND LETTER ALTHOUGH MOST AGENCIES THAT I HAVE COME IN CONTACT WITH , PLACE IT ON ALL LETTERS EXCEPT PAYMENT ARRANGEMENT LETTERS""

Name ONE debt collector that does this! Just one! I've been at this over 25 years and I have seen NO debt collector do this UNLESS they were threatened with a complaint to their State Attorney General office or a lawsuit. I am well aware that it is required by law Einstein. What we've been trying to get YOU to comprehend is that almost all debt collectors violate the FDCPA by NOT MEETING this requirement. Kindly post a scan of such a letter! I've never seen a written notice from a debt collector that informs the debtor of this.

"" Do they provide a written address to mail a certified letter to dispute and request validation? EVERY AGENCY THAT I HAVE COME IN CONTACT WITH OR WORKED FOR HAD AN EASILY ACCESSABLE PHYSICAL ADDRESS BUT MOST HAVE IT SOMEWHERE ON THE LETTER""

They have to inform the consumer debtor in WRITING (if not detailed in a telephone call) that the debtor is ENTITLED BY LAW to submit a WRITTEN DISPUTE and request for VALIDATION of the alleged debt. WHAT THIS MEANS Einstein, is that the debt collector must do more than merely provide a return address on whatever correspondence that was mailed to the debtor. The correspondence MUST INCLUDE STATEMENTS informing the debtor of these rights provided by the FDCPA.

""Do they inform the debtor that he/she has a right to copies of any judgments or other documents that created this debt? THIS IS ALSO REQUIRED BY LAW TO BE ON THE INITIAL DEMAND, BUT IS ON MOST OTHER DEMANDS AS WELL""

I know the requirements Einstein. The problem is that debt collectors aren't doing this, unless threatened with a complaint to an AG or a lawsuit.

""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? ALSO REQUIRED ON INITIAL DEMAND LETTER ""

How many times does someone have to repeat things to you before it sinks into your head? I know that it is required. Now, tell me ONE debt collector that does this! I have not seen ANY debt collector meet this requirement of the FDCPA without being threatened with an AG complaint or lawsuit. The debt collector is required to provide this knowledge to the debtor without PROVOCATION! What this means is that if this information is provided AFTER the debtor demands it, the debt collector has ALREADY VIOLATED the FDCPA.

I can understand why you're having so much difficulty comprehending this. After all, you're still having trouble locating your "caps lock" key.

""Do they provide this knowledge in writing within 5 DAYS of the intitial contact? EVERY AGENCY THAT I EVER WORKED FOR MAILED THE INITIAL DEMAND LETTER WITHIN 1-2 DAYS OF PLACEMENT
AGENCIES HAVE NO REASON TO DELAY SENDING THIS INFORMATION""

The problem Einstein is that this "demand letter" as you call it does not have ANY STATEMENTS ON IT TO INFORM THE DEBTOR OF HIS/HER RIGHT TO DISPUTE AND DEMAND VALIDATION. The LACK of such a statement is a violation of the FDCPA. Further, I know of no debt collector who follows up 5 days later from the initial "demand" notice or telephone call with the written notice as required by the FDCPA.

ANY OTHER QUESTIONS?

Just one: Did you finish high school? You don't seem to comprehend what you read very well. Perhaps you should return to school.

Try reading the following VERY SLOWLY. Then, if your "clients" are fortunate, it might sink in for you. (Hint: let me know if you're having trouble comprehending what the phrase "a statement that" means.) Let me know if you require further clarification.

FDCPA Section 809:

809. Validation of debts [15 USC 1692g]
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the
consumer a written notice containing --
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) 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.
(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Why do you continually insist on yelling at what is suppose to be your own demographic that you could allegedly draw work from? I find it hard to believe-and always have-you are in your own busines. And collection agencies are not creditors as your logic dictates.

watchontime,

I understand that you do not want to deal with the rudeness of the debt collector. Very understandable. Are you planning on paying your debt to the original lender? I hope you don't state that since the SOL has run out you don't owe them any money. That is just not right. I too have owed money that due to circumstances I was unable to meet my original obligations to a credit card. However after landing on my feet I did pay the debt off. It was the right thing to do.

If you loaned me money and I just didn't pay you back (regardless of the reason) and then claimed after a long period of time that I did not owe you the money anymore since it had been such a long time, you would call me a dead beat, or worse. I probably should not have written this last paragraph without reading your answer to my question first.

OK ILL TRY TO EXPLAIN THIS A LITTLE BETTER SO EVEN YOU CAN FOLLOW! THOSE DISCLOSURES ARE REQUIRED BY LAW ON THE INITIAL DEMAND! THAT MEANS THEY HAVE TO DO IT BY LAW, SO NO, ITS NOT A MATTER OF SIDING WITH ANYONE, YOU DOOFBALL. THEY HAVE TO PUT THEM ON THERE. IF YOU ARE GOING TO POST, TRY TO PAY ATTENTION TO THE PREVIOUS POSTS. SORRY BOUT THE GENDER MIXUP, BUT IM SURE YOU GET THAT A LOT. BY THE WAY, THE PEOPLE YOU PAY YOUR BILLS TO ARE CREDITORS NOT DEBTORS!

Of course these bottomfeeding 3rd party scumbags NEVER violate any consumer protection laws. They are so above-board. Save the tears for your eulogy, loser. Funny how all you can do is attack, Mr. Parole Officer. None of your gibberish is valid about SOL. Asset Acceptance is infamous for buying old debts and debts that don't even belong to the consumer. The only way to stop the morons is to fight them every step of the way.

And just for the record, idiot I have NEVER paid late or have ever had any problems with my debtors. Also, you screwed up on the gender, dirtbag. youre batting 0 for 1,000. Good job!

This genius wrote [in CAPS as USUAL]:
"FOOTNOTE FOR STEVE; THE SOL FOR CREDIT REPORTING IS 7YRS FROM 1ST DATE OF DELINQUENTCY, NOT LAST ACTIVITY. THE LAST ACTIVITY, ONLY RELATES TO STATE SOL."

So you are saying that if an account is not delinquent, there is no SOL for reporting? Think about it genius. If your credit is perfect, that means under your rule nothing at all would be reported, as it can only be reported after a 1st date of "delinquenTcy" as you put it.

ANY activity on your credit accounts will cause reporting to be made, negative or positive.

AND, WHAT is DELINQUENTCY? I think the crackhead meant: DELINQUENCY.

Hey crackhead, LOSE THE CAPS. You have been asked numerous times. I will be forwarding a request to ROR staff to notify you of this policy, and block your posts until you comply with the BLATANT disregard for this forums posting guidelines.

I FOUND THE PAGE WITH YOUR QUESTIONS ROBERT
Do debt collectors specifically inform the debtor of their right to dispute and validate the alleged debt? YES THEY DO, IT HAPPENS TO BE LAW THAT IT IS ON THE INITIAL DEMAND LETTER ALTHOUGH MOST AGENCIES THAT I HAVE COME IN CONTACT WITH , PLACE IT ON ALL LETTERS EXCEPT PAYMENT ARRANGEMENT LETTERS Do they provide a written address to mail a certified letter to dispute and request validation? EVERY AGENCY THAT I HAVE COME IN CONTACT WITH OR WORKED FOR HAD AN EASILY ACCESSABLE PHYSICAL ADDRESS BUT MOST HAVE IT SOMEWHERE ON THE LETTER Do they inform the debtor that he/she has a right to copies of any judgments or other documents that created this debt? THIS IS ALSO REQUIRED BY LAW TO BE ON THE INITIAL DEMAND, BUT IS ON MOST OTHER DEMANDS AS WELL 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? ALSO REQUIRED ON INITIAL DEMAND LETTER Do they provide this knowledge in writing within 5 DAYS of the intitial contact? EVERY AGENCY THAT I EVER WORKED FOR MAILED THE INITIAL DEMAND LETTER WITHIN 1-2 DAYS OF PLACEMENT
AGENCIES HAVE NO REASON TO DELAY SENDING THIS INFORMATION

ANY OTHER QUESTIONS?
http://fair-debt-collection.com/ODFaq/index.php?p=default&cat=3

I CAN BE A DEADBEAT BUT HAVE UNBLEMISHED CREDIT AT THE SAME TIME, EVEN BARTS NOT THAT LAMEBRAINED. AND MY FAVORITE PART, WHERE SHE(IT HAS TO BE A SHE)ASSUMES THAT I HAD TO BE A LAW VIOLATOR, JUST BECAUSE I THINK THAT PEOPLE SHOULD BE HONORABLE WITH THEIR LIVES! WHAT A DIPSH!T!! NOW, HOLD ON TO YOUR BON BONS & DONT BLOW THROUGH THE ROOF OF THE TRAILER, BUT I DIDNT HAVE TO VIOLATE ANY LAWS. MIXED IN WITH THE LOWLIFE DIRTBALLS WERE PEOPLE THAT DID SUFFER LOSSES, BUT PULLED THEMSELVES UP BY THEIR BOOTSTRAPS & DID THE HONORABLE THING. THE REST, LIKE YOU, GATHER THE FAMILY AROUND THE CALLER ID EVERYTIME THE PHONE RINGS. " I DONT KNOW THAT NUMBER, DO YOU KNOW THAT NUMBER? NO, OK, LETS NOT ANSWER IT. I MAY OWE SOMEBODY SOME MONEY THAT THEY HAVE THE NERVE TO THINK I SHOULD PAY BACK."
"FARON, THE MOTION PICTURE" WILL BE IN THEATRES IN THE SPRING, ALTHOUGH IT MIGHT BE BORRING. JUST FARON SITTING ON THE COUCH EATING BON BONS & SMOKING GPC'S WHILE WAITING FOR HER SSI OR WELFARE CHECK,(WHO KNOWS WITH FARON, PEOPLE DO LIE ON HERE, RIGHT FARON?) & SITTING AT HER COMPUTER, EATING TURKEY LEGS & DRINKING BOONS FARM.
BUT YES FARON, I HAVE BEEN THROUGH ALL THE THINGS EVERYBODY ELSE HAS, DIVORCE, JOB LOSS, LOW MONEY, NO MONEY, WORKING MY WAY THROUGH COLLEGE. BUT, NONE OF THOSE THINGS PREVENT A CONSUMER FROM EVER PAYING BACK DEBTS, ONLY THE DEADBEATS THAT HAVE "SOMETHING COME UP" EVERY MONTH.
FOOTNOTE FOR STEVE; THE SOL FOR CREDIT REPORTING IS 7YRS FROM 1ST DATE OF DELINQUENTCY, NOT LAST ACTIVITY. THE LAST ACTIVITY, ONLY RELATES TO STATE SOL.

Even though the original credit and the collection agency that is trying to collecting
must be removed from the Credit Reporting Agencies after 7 1/2 years (formally 7 until 2000) or did I get that one backwards, the collector in ohio has 6 years a written account is a bill a written contract is something you signed for if the collection agency provides something that YOU Signed and it SAYS CONTRACT then the 15 years applies.

If it is like a utility, it would say account you call to set it up that means it is ORAL YOU AGREE OVER THE PHONE to SETUP AN ACCOUNT, not a contract.

If it is say a apartment lease, LEASES ARE CONTRACTS therefore you SIGN to get the service and then the 15 YEAR SOL applies.

Hot check= 3 years notice their is a seperate SOL for that otherwise that would confuse people what exactly an oral account or written account vs Written contract is.

Source

fair-debt-collection.com/SOL-by-State.html#36

Ohio Statutes of Limitation

Written or oral account: 6 years, (O.R.C. 2305.07).

Written contract: 15 years, (O.R.C. 2305.06).

Oral contract: 6 years (O.R.C. 2305.07).

Note payable at a definite time: 6 years, (O.R.C. 1303 .16(A)); (2)).

Demand note: 6 years after the date on which demand is made or 10 years if no demand is made and neither principal nor interest has been paid over that time (O.R.C. 1303.16(B)).

Dishonored check or draft: 3 years after dishonor, (O.R.C. 1303.16 (C)).

Sorry, but they can call you forever, unless you send that Cease Comm Letter, change your number and don't put the new# on anything hopefully, the new president in 2009 will help support such legislation to make the FDPCA more strict and apply more restrictions to zombie debt buyers.

I would recommend you change your number to a private number, obtain Distictive Ring service and obtain a toll free number like from telcan that allows you to block area codes and phone numbers and uses ANI a better form of caller id and put your Distincitve Ring Number as the ring to and only answer the phone on the Distinctive Ring signal. That's what I do.

Billcoll, you're beyond sinking here. You are submerged in cow dung.

Run my posts through a top-rate grammar/fact check and you will see that they are all long on facts and by the book.

Now, back to your continued uneducated, irrelevant truculence (nice plagiarism, by the way...see below for the 'citation needed' reference):

'Cease and desist (also called C & D) is a legal term used primarily in the United States[citation needed] which essentially means 'to halt' or 'to end' an action ('cease') and to refrain from doing it again in the future ('desist'). The recipient of the cease-and-desist may be an individual or an organization.
The term is used in two different contexts. A cease-and-desist order can be issued by a judge or government authority, and has a well-defined legal meaning. In contrast, a cease-and-desist letter can be sent by anyone, although typically they are drafted by a lawyer.'

I challenge you to show us all where you see any mention of a 'Cease and Desist' Letter in the FDCPA - you know, the governing document and law of the land when it comes to third-party collection agency activities?

What's that? You can't find it? Oh that's right - IT'S NOT THERE, idiot. Perhaps it would be best for you to:

1. Buy a good grammar check for your computer to scan your disorganized postings

2. Get the CAPS LOCK button fixed. It seems to still be stuck on stupid - just like you.

3. Quit while you're behind. You have been taken to the woodshed regarding your so-called "knowledge" of federal collection law. Naturally, you do not want consumers to know their rights and which letter is correct to send to your company. Heaven forbid consumers know their rights and literally put you and your pathetic ilk out of business.

However, that is exactly what is happening - as companies like yours have resorted to buying this type of junk debt in the hope that you will be able to collect and stay in business. I know for a FACT that it is not working for AFNI, ASTA/Pallisades, and a whole host of others. The end is near for your occupation...bank on it.

I told you already - I work for a worldwide telecom/FIOS/DSL/Wireless provider who sells debt to you scumbags. EVERYONE within our company knows that you have ZIP...ZERO....NADA in the way of documentation to provide in the way of validating ANY of the old, out-of-SOL debts that you bought. We took your millions for these worthless accounts - then we tell consumers exactly how to NOT have to pay you a dime.

HOW YOU LIKE THOSE APPLES, bottom feeder?

SORRY THAT I OCCASIONALLY MIS-TYPE SOMETHING ON HEAR IN A HUURY BECAUSE NOT ALL OF US ARE UNEMPLOYED DEADBEATS THAT HAVE NOTHING TO DO ALL DAY EXCEPT SIT ON ROR & DEFEND PEOPLE THAT HAVENT PAID A BILL IN THEIR LIFE WITHOUT BEING SUED. YOU SHOULD REALLY JUST GO AHEAD & HAVE A THREESOME WITH STEVE & BART & GET IT OVER WITH. BY THE WAY, AS FAR AS ANNOYING THINGS, WE CAN ALL FIGURE OUT YOUR POSTS WITHOUT YOU COPYING & PASTING EVERYTHING! MOST OF US ARE SMART ENOUGH TO UNDERSTAND THE REFERENCES WITHOUT YOUR HELP. IF YOU CANT COME UP WITH ORIGINAL MATERIAL, LEAVE IT UP TO THE ONES THAT CAN. TO TAKE A PAGE OUT OF YOUR BOOK OF GRAMMAR, "billcoll, you wrote ignorantly," SHOULD BE "billcoll, you ignorantly wrote;"

NOW, TO THE IMMIGRATION ISSUE. THIS IS THE STATS AS OF TODAY FOR THIS YEAR, FROM JUST THE MARICOPA SHERIFF OFFICE. THIS DOES NOT EVEN INCLUDE THE OTHER LAW ENFORCEMENT AGENCIES. NOW THE LAST I HEARD, TRUTHY, IS THAT ITS THE FEDERAL GOVERNMENT, WHO HAS THE RESPONSIBILITY TO PROTECT THE BORDERS.
Under the State law Arrests by Sheriff's deputies of persons transporting or being transported illegally into Arizona: 781
Under the Federal law Arrests by Sheriff's deputies who, in the course of their duties, determine the arrestee is in Arizona illegally: 539
INSTEAD OF BLAMING STATES WITH A LOT LESS BORDER AREA TO COVER THAN YOURSELVES, BLAME A PRESIDENT THAT SPENDS BILLIONS ON A WAR THAT WAS AS USELESS AS t**s ON A BOAR HOG.
Cease and desist (also called C & D) is a legal term used primarily in the United States[citation needed] which essentially means "to halt" or "to end" an action ("cease") and to refrain from doing it again in the future ("desist"). The recipient of the cease-and-desist may be an individual or an organization.
The term is used in two different contexts. A cease-and-desist order can be issued by a judge or government authority, and has a well-defined legal meaning. In contrast, a cease-and-desist letter can be sent by anyone, although typically they are drafted by a lawyer.
AS FAR AS THE SOL, ITS A MOOT ISSUE UNLESS WE KNOW MORE ABOUT THIS DEADBEAT AS OPPOSED TO OTHER ONES ON HERE, NO OFFENSE TRUTHY!

AND...

Debts in Ohio (the OP's state) do not have to be 15 years old to be legally uncollectable unless they're contract debts or promissory notes (highly doubtful that AA bought anything better than an old cell bill or telecom account). All other debts are LEGALLY UNCOLLECTABLE after six years.

I would NOT expect a more thoughtful post out of you, billcoll. As a cubicle-wearing, scum-sucking bottom feeder who makes his bones scraping the barnicles off his boss's dingy, your intelligence level is somewhere between that of Jose Canseco and Rosie O'Doughnut. However, please keep posting your words of blather so the readers can continue to fortify their understanding that your credibility level is as pitiful as your profession.

Mishi,

BEFORE you give "advice", you should know what you are talikng about.

The SOL for credit reporting is set by federal law, and is 7 years from date of first major delinquency or last activity, except for certain BK and Judgements.

The SOL for the courts enforcement of collection of bad debt is set by each state, and each state is different. State SOL range from 2 years to 15 years, with the most common being between 4-6 years.

She wrote:
>>

"just so u know
stat of limitation on a debt only means theres a certian length of time a debt can be reported to the 3 CBR's. It doesnt mean you do not owe the debt anylonger. Sure you dont have to pay it...the company nor any other cannot sue you, do a property lean or bank garnishment, but the moral thing to do is pay your bills reguardless of the age of the debt. So you may want to do your research on what the statue of limitation really is. P.S. AACC is a reputable company for about 40 yrs, it's publicly traded and on the NYSE, so i dont think it's going away anytime too soon!! =)

have a fantastic day!

>>>

Also notice the typical lack of grammar and spelling by this idiot debt collector. Lean? What is a "lean"? "Statue of limitation" I think you mean STATUTE of limitations. A debt collector talking about MORAL?

Here is a newsflash for you genius, your company collects MOSTLY on LEGALLY UNCOLLECTABLE, JUNK DEBT!

I advise you to get an education before coming back here to spew your jibberish.

proves he's a lowlife deadbeat that is no worse than the consumer who never paid in the first place. He was probably one of the ones in his former profession (or current because people do lie here) life who violated every consumer protection law imaginable as a bottom-feeding scum by trying to force (illegally) people to pay unenforceable debts. I am sure Mr billcoll life is unblemished because he never lost a job, divorce or physical injury and other problems NOT relating to being a deadbeat (which Mr billcoll certainly is wothout question) that may have prevented the consumer from paying in the first place.

By the description of his profession, that would fit being a parole officer. Did Bud Hibbs put you out of business, slimeball?

mishi...your assertion that AA is a reputable company doesn't come near passing the laugh test. Watching idiot debt collectors lecture about morality is like watching Clinton lecture about marital faithfulness or Bush about public speaking.

billcoll, you wrote ignorantly, 'IF ITS LESS THAN 15YRS OLD, THEY HAVE IF ITS LESS THAN 15YRS OLD, THEY HAVE EVERY RIGHT TO SUE ON IT IN OH. A C&D HAS NOTHING TO DO WITH LEGAL PROCESS. I WOULD EXPECT A MORE THOUGHTFUL POST FROM YOU.'

First and foremost, take some grammar lessons and fix your CAPS LOCK. You look like a stooge when you write with such poor grammar and live on CAPS.

By a 'C&D' are you referring to a 'cease and desist'? Hate to break the news to you pea-brain...but there is no such thing as a 'cease and desist' letter where federal collection law is concerned. There IS a CEASE COMMUNICATIONS letter...and it has EVERYTHING to do with the legal process, as it can and will cost bottom-feeders money for every single violation - Guaranteed.

AND...

Debts in Ohio (the OP's state) do not have to be 15 years old to be legally uncollectable unless they're contract debts or promissory notes (highly doubtful that AA bought anything better than an old cell bill or telecom account). All other debts are LEGALLY UNCOLLECTABLE after six years.

I would NOT expect a more thoughtful post out of you, billcoll. As a cubicle-wearing, scum-sucking bottom feeder who makes his bones scraping the barnicles off his boss's dingy, your intelligence level is somewhere between that of Jose Canseco and Rosie O'Doughnut. However, please keep posting your words of blather so the readers can continue to fortify their understanding that your credibility level is as pitiful as your profession.

stat of limitation on a debt only means theres a certian length of time a debt can be reported to the 3 CBR's. It doesnt mean you do not owe the debt anylonger. Sure you dont have to pay it...the company nor any other cannot sue you, do a property lean or bank garnishment, but the moral thing to do is pay your bills reguardless of the age of the debt. So you may want to do your research on what the statue of limitation really is. P.S. AACC is a reputable company for about 40 yrs, it's publicly traded and on the NYSE, so i dont think it's going away anytime too soon!! =)

have a fantastic day!

IF ITS LESS THAN 15YRS OLD, THEY HAVE IF ITS LESS THAN 15YRS OLD, THEY HAVE EVERY RIGHT TO SUE ON IT IN OH. A C&D HAS NOTHING TO DO WITH LEGAL PROCESS. I WOULD EXPECT A MORE THOUGHTFUL POST FROM YOU.

"I AM SELF EMPLOYED TEACHING DEADBEATS HOW TO HANDLE BUSINESS & BECOME PRODUCTIVE ADULTS & NOT A BURDEN ON TAXPAYERS & ON THOSE OF US THAT PAY HIGHER PRICES DUE TO THEIR LACK OF RESPOSIBILTY, SOMETHING YOU WILL UNDERSTAND WHEN YOU MOVE OUT OF YOUR PARENTS BASEMENT DUDE."

Interesting choice of words coming from a resident of a state that bleeds the treasury dry because it allows millions of illegal aliens to flood into the country. Perhaps instead of siding with scum-sucking, bottom-feeding parasites trying to collect uncollectable debts, you should focus your energies on reforming your state's predilection toward coddling lawbreaking illegals. That will save more money than Asset Acceptance can collect in a lifetime.

"I HOPE THIS IS LESS THAN 15YRS OLD & THEY SUE YOU THAT WOULD BE FUNNY!!!"

It would indeed be hilarious if some lowlife, scum-sucking bottom-feeder tried to sue this guy for a debt that was 15 years old. That way when the slimy collector gets counter-sued for attempting to collect on an uncollectable debt and likely breaking a whole host of cease communication orders from the consumer, the judge can throw the oca's suit out of court due to SOL legality and award the consumer a healthy judgment for FDCPA violations.

Keep these pearls of 'wisdom' coming, billcoll...they're priceless.

IM NOT SURE WHY THIS GUY KEEPS POSTING THE SAME MATERIAL OVER & OVER. I WOULD WONDER WHY HE RIPPED OFF THE ORIG CREDITOR IN THE 1ST PLACE. FUNNY THAT HE IS SO INTENT ON HAVING THIS COMPANY SHUT DOWN AS A RIPOFF WHEN HE IS THE RIPOFF. I HOPE YOU ARENT STILL TAKING PEOPLE FOR A RIDE LIKE YOU DID BACK THEN. AND TRUTHY, WHY DO YOU CONDONE THESE PEOPLE THAT RIP OFF A BANK & LATER WHEN IT CATCHES UP TO THEM, THEY FILE A STUPID,UNFOUNDED COMPLAINT? MY GUESS IS THAT YOUR ALSO A DEADBEAT OR ONE OF THESE PEOPLE THAT THINKS ITS OK TO RIP PEOPLE OFF & RUN WITH THE MONEY. EITHER WAY, I HOPE YOUR NOT OUT THERE BREEDING. AS FOR JIM, FYI, IM NOT A BILL COLLECTOR AND HAVENT BEEN FOR A LONG TIME. I AM SELF EMPLOYED TEACHING DEADBEATS HOW TO HANDLE BUSINESS & BECOME PRODUCTIVE ADULTS & NOT A BURDEN ON TAXPAYERS & ON THOSE OF US THAT PAY HIGHER PRICES DUE TO THEIR LACK OF RESPOSIBILTY, SOMETHING YOU WILL UNDERSTAND WHEN YOU MOVE OUT OF YOUR PARENTS BASEMENT DUDE.

I can see why you do bill collecting for a living...jeez!

2007 MINUS 15 years would be....1992 not 1996 dude!

I hope your math is better on debt collections than on basic subtraction.

Summed up.

Do not get ripped off by Asset Acceptance

They will try anyway to take money out of a consumer and against consumer and federal laws.

Do you homework, Hire a attorney if needed.

But DO NOT PAY ASSET ACCEPTANCE A DIME.

THEY ARE OUT TO RIP OFF ANYONE THEY CAN BY USING FRAUD METHODS AND TRYING TO CONVINCE PEOPLE THEY OWE MONEY FOR OLD DEBTS, BUT THE DEBTS ARE OUTDATED AND CANNOT BE COLLECTED BY THEM.

THERE ARE FEDERAL CONSUMER LAWS PROTECTING CONSUMERS AND THEY WERE MADE TO PROTECT CONSUMERS FROM PLACES LIKE ASSET ACCEPTANCE

GUESSING WHOMEVER POSTED MESSAGE IN FAVOR OF ASSET ACCEPTANCE MUST BE WORKING FOR THEM AND THEY KNOW THEY ARE RIPPING PEOPLE OFF BY STEALING THEIR HARD EARNED MONEY

SUMMED UP. DO NOT GIVE ASSET ACCEPTANCE A SINGLE DIME.

...is to send them a CEASE COMMUNICATIONS LETTER and demand in writing, as required per the FDCPA, each and every billing statement that led to the accumulation of this so-called "debt".

You may then enjoy the deep slumber of a consumer who has taken these bottom-feeders to the woodshed...while paying them NOTHING.

IS TO PAY YOUR BILLS INSTEAD OF RUNNING FROM THEM TIL THE SOL RUNS OUT THAT WAY WE DONT HAVE TO HEAR YOU WHINE WHEN THE DEBT DOES CATCH UP TO YOU BY THE WAY, THE SOL IN OH IS 15YRS SO THEY CAN COLLECT ON A BILL FROM 1996. YOU NEVER DID SAY HOW OLD THIS IS

IS TO PAY YOUR BILLS INSTEAD OF RUNNING FROM THEM TIL THE SOL RUNS OUT THAT WAY WE DONT HAVE TO HEAR YOU WHINE WHEN THE DEBT DOES CATCH UP TO YOU BY THE WAY, THE SOL IN OH IS 15YRS SO THEY CAN COLLECT ON A BILL FROM 1996. YOU NEVER DID SAY HOW OLD THIS IS

IS TO PAY YOUR BILLS INSTEAD OF RUNNING FROM THEM TIL THE SOL RUNS OUT THAT WAY WE DONT HAVE TO HEAR YOU WHINE WHEN THE DEBT DOES CATCH UP TO YOU BY THE WAY, THE SOL IN OH IS 15YRS SO THEY CAN COLLECT ON A BILL FROM 1996. YOU NEVER DID SAY HOW OLD THIS IS

IS TO PAY YOUR BILLS INSTEAD OF RUNNING FROM THEM TIL THE SOL RUNS OUT THAT WAY WE DONT HAVE TO HEAR YOU WHINE WHEN THE DEBT DOES CATCH UP TO YOU BY THE WAY, THE SOL IN OH IS 15YRS SO THEY CAN COLLECT ON A BILL FROM 1996. YOU NEVER DID SAY HOW OLD THIS IS

Steve, you're quite welcome - and thank you for joining in to set straight this idiot. He needs to learn a lesson about who really has the power when it comes to this subject.

billcoll, you wrote, 'As to the question you posed, The reason that banks dont keep accts & sue is because most people dont pay the judgements. So instead of losing 75% of the loan balance(which is what the post -tax adjustment), they would also loose the legal cost they incurred, which in most cases is about 3k. If they sell the debt, they recoup 25% from the tax writeoff & if its fresh paper, 40% of the value. In a perfect world, there would be a streamlined suit process & a lot less people would run up a bunch of debt they know they cant pay. But, as it is, the laws & government coddle these people, so they do it over & over again. I dont say these things because I am a bill collector, because i'm not. I am a self employed credit advisor.'

First of all, "self-employed credit advisor" is code for "I work at home stuffing envelopes for a living and do some lecturing on matters I know nothing about". Respected financial advisors get their certification from somewhere better than a box of Cracker Jacks - which, judging by your so-called "information", is being kind.

Second, banks DO keep their own accounts and sue because they CAN AND DO garnish wages once they win a default judgment and notify the place of employment of the defendant in question. In most instances, judgments are not a matter of choosing not to pay. At that point, the defendant has no choice...so your point is erroneous in every way. (Just for the record, if you had ever been party to these lawsuits from the plaintiff's side you would know that the defendant is hit for the court and legal costs...and the word is "lose", not "loose". Two words for you billcoll: GRAMMAR CHECK)

Third, original creditors do not sell debt and receive 25% of the tax write-off. Unlike you, I actually do work for a company that sells debt. I know for a FACT that we receive no more than five to eight cents on the dollar for these out-of-SOL, uncollectible debts.

As to your so-called point that laws "coddle" people who cannot pay debts, you are correct. While the notion that laws best protect the PEOPLE instead of fat, greedy exploitative corporations must rile you to no end, decent human beings appreciate that the government, which has done endless evil in allowing businesses to profit for centuries off the backs of the poor, is finally working for the working class for a change.

Here endeth the lesson, billcoll....more lessons to follow if you should decide to open your trap any further.

Summed up.
Asset Acceptance is one of the biggest consumer ripoffs there is and do not pay them a penny. Higher a attorney if needed and fight for your consumer rights. You have rights and do notlet Asset Acceptance take them away by their threats. Shut down Asset Acceptance for good.

Truth Detector:
You say i put out incorrect info & then reitterate what my last post said!
FYI not all creditors wait til the SOL runs out to sell debt. At for a while, I worked for NCO & they bought accts from CC companies that were fresh chargoffs.
Collection agencies also do work for creditors for a long time for some banks, for instance BOFA likes to try to collect an acct for 1-2yrs before selling it off

As to the question you posed, The reason that banks dont keep accts & sue is because most people dont pay the judgements. So instead of losing 75% of the loan balance(which is what the post -tax adjustment), they would also loose the legal cost they incurred, which in most cases is about 3k. If they sell the debt, they recoup 25% from the tax writeoff & if its fresh paper, 40% of the value. In a perfect world, there would be a streamlined suit process & a lot less people would run up a bunch of debt they know they cant pay. But, as it is, the laws & government coddle these people, so they do it over & over again. I dont say these things because I am a bill collector, because i'm not. I am a self employed credit advisor. But, I deal with the same debtor mentality that I did as a collector. I train people that are ready to become responsible, productive members of the economy instead of helping run up prices(& interest rates when we dont have an inbasile running the country) by getting things, that in a lot of cases(more than you would ever imagine) never planned to pay for in the first place.

Robert:
You also reiterated what I said earlier, you like Truth Detector, just put a negative spin on the same facts. To answer your question as to how long one can attempt to collect a debt, all states allow for a never ending attempt except WI & MS. In those states, A debt collector cant attempt to collect a debt after the SOL
MS=3yrs
WI=10yrs
FYI government issued student loans carry no SOL
Steve:

Hey buddy, glad you liked my post on that whiner. It is true that it doesnt matter how much is paid for the debt because its a moot point. For example, say I lend you 100.00 at 25% & you dont pay it back. I go & sell that loan to Robert for 50.00 to cut my loss. You now owe Robert 125.00 that he can legally collect. If it goes to court, the judge does not care how much I was paid. On an SOL acct there would be no court because it is not suable. In that case, it really doesnt matter because the buyer paid less than a penny on the dollar. I dont have anything against consumers other than the fact that a lot more people try to get away with a lot more than they did years ago & no im not that old!
I look forward to all your responses as its nice to have a debate with guys that are as enthusiastic & intellegent(although somewhat misguided)as yourselves.

First of all, thanks to TruthDetector.

Second, MOST debt collectors are in financial trouble themselves! So who are you to call anyone a deadbeat?

Third, if something is not LEGALLY COLLECTABLE ie: past SOL, It is no longer owed. It stopped being owed when the SOL ran out. It is dead at that point. LEGALLY. Therefore, collection attempts on something you know to be past SOL and legally uncollectable are FRAUD.

Fourth, the price paid is VERY important, because many states limit a small claims lawsuit to what you actually lost, plus court costs. So if you paid only 1 cent on the dollar [I'm being generous here] that is what you can sue for as that is what you lost.

I have beaten debt collectors/junk debt buyers in court on that issue alone. It IS a valid point in a court of law. Judges HATE frivolous lawsuits.

Not only do I make the lowlife bottomfeeder junk debt buyer prove what they paid, I demand to see the sale contract on the debt as well as a full chain of title with the same info for every other JDB back to the original creditor! If one sale cannot be validated, you the JDB do not legally own the debt, and therefore cannot legally collect on it.

This is the same as selling stolen goods. Then I file criminal fraud charges and also bar association complaints on every lawyer involved. Just ask Fred Hanna about that, as well as a few others.

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

ANY DEADBEATS OUT THERE, PAY ATTENTION
HOW IS IT A VIOLATION TO ASK SOMEONE TO PAY A DEBT THAT THEY INCURRED. THE STATUTE OF LIMITATION ONLY LIMITS THE REMEDY THAT CAN TAKE, IT DOES NOT MAKE THE DEBT GO AWAY. WHY DIDNT YOU PAY IT IN THE 1ST PLACE? AND WHY DOES IT MATTER HOW MUCH THEY PAID FOR IT? THAT FIGURE ONLY SHOWS THE WORTH OF OF YOUR CHARACTER.
>>>>

""Statute of limitations does not 'limit remedy', it legally makes a debt uncollectible in a court of law. To pursue collection of an alleged debt beyond the statute of limitations, upon proper advice to cease collection efforts, is a violation of the law ""

Do you have a reference for this Jim? Here in NY, a creditor can attempt to collect a debt forever - no time limit. An expired SOL is an affirmative defense to a civil suit for a money judgement. However, the courts will NOT envoke an expired SOL as a defense. The defendant must AFFIRM an expired SOL as a defense. Even though the SOL is expired, the creditor may continue to attempt to collect. It doesn't matter if a debtor gives written notice to stop trying to collect to the creditor - the creditor may still legally attempt to collect (telephone calls to debtor or to friends, relatives, neighbors, or employers to obtain current debtor location information).

There are 3 methods to absolve a debt: pay it off, the creditor forgives it or forgives the remaining balance, or a court orders the debt absolved (bankruptcy court.)

""Can these bottom feeders legally sue and collect a single cent regarding an out-of-SOL debt? NO""

Partially correct. These bottom feeders CAN SUE - quick trip to the courthouse to file the papers. WINNING the suit is a different matter. The defendant MUST AFFIRM an expired SOL as a defense to the action. The courts will not envoke this defense automatically. What most bottom feeders hope for is that the defendant will ignore the summons so they can win a default judgment.

""All I was saying was that it is perfectly legal to sell or buy debt, no mater how old. It is no different than if your mortgage company sells your note to another company. You still have the same obligations""

This is true - the issue of judicial enforcement is when the SOL comes into play. Sometimes bad things happen, hence we have bankruptcy courts. The moral obligation remains, but as a society we do place some responsibility on the creditor as well. A creditor should make a deligent and TIMELY effort to collect - THIS is why we have SOL laws. This is why we have different SOLs for different types of debt (in most states.)

""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!

You wrote, 'All I was saying was that it is perfectly legal to sell or buy debt, no mater how old. It is no different than if your mortgage company sells your note to another company. You still have the same obligations. 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.

Another thing also;
The sol in some states are quite high like KY & OH 15yrs in KY,AL,MA & PA contracts signed under seal carry an SOL of 20yrs'

The SOL has EVERYTHING to do with the ability to legally collect a debt. Once again, you have attempted to put forth incorrect information regarding consumers' rights. Therefore, allow me to correct your errors so that consumers reading this thread know the TRUTH.

#1: The truth is, collection agencies do not BUY debt unless it is out of the SOL for the original creditor to collect legally. I know this because I work for a worldwide telecom/wireless/DSL/FIOS provider that sells debt to companies like this. In the instance that a debt is legally collectable, it is REFERRED to a collection agency like IC Systems, NCO, Solomon and Solomon, CCA, Omnium, etc. IF the collection agency collects on the balance owed, we receive about 40% of that balance and the agency receives the rest.

However, in these instances, the collection agency DOES receive billing documentation to validate the debt per the guidelines of the FDCPA. Our company has NEVER referred a debt to these creeps (Asset Acceptance)...but we have SOLD old accounts that cannot be credit reported or collected via a lawsuit. They pay pennies on the dollar for the accounts and receive nothing more than the name of the customer, the last balance owed, and the old telephone number. That information is insufficient to validate the debt - and Asset Acceptance knows it. One CEASE COMMUNICATIONS LETTER from the consumer means that they have just bought a $50.00 piece of trash (i.e. the paper they got from us)

#2: 99.9% of all signed contract debts are not referred to OCAs. This is because almost ALL contract debts are either local customers or customers in areas where businesses have the ability to sue for the collection of an unpaid debt within the locality of the customer in question. Resonate some understanding here, billcoll: WHY would anyone give away 60% of the value of an account when they can legally sue a customer for the entire balance of the debt AND court costs, interest, etc?

#3: You were right about one thing: There is no law (yet) prohibiting bottom-feeders like you from buying old, out-of-SOL debts. However, there IS federal law in the form of the FDCPA that prohibits ANY contact with a consumer short of ONE final letter of intent after the collection agency receives a CEASE COMMUNICATIONS LETTER. Should your slimy so-called company decide to violate the provisions of this law, YOU can and will be sued for each and every violation subsequent to that point.

Regarding your comment about Americans' being self-centered and lacking in integrity, I can only remind you that your company lies, threatens, and misrepresents facts in an effort to collect on LEGALLY UNCOLLECTABLE DEBTS. Your pathetic comments about integrity are quite the indictment indeed considering the source...a slimy, lowlife, bottom-feeding bag of dung.

All I was saying was that it is perfectly legal to sell or buy debt, no mater how old. It is no different than if your mortgage company sells your note to another company. You still have the same obligations. 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.
Another thing also;
The sol in some states are quite high like KY & OH 15yrs in KY,AL,MA & PA contracts signed under seal carry an SOL of 20yrs

You falsely wrote, 'HOW IS IT A VIOLATION TO ASK SOMEONE TO PAY A DEBT THAT THEY INCURRED. THE STATUTE OF LIMITATION ONLY LIMITS THE REMEDY THAT CAN TAKE, IT DOES NOT MAKE THE DEBT GO AWAY. WHY DIDNT YOU PAY IT IN THE 1ST PLACE? AND WHY DOES IT MATTER HOW MUCH THEY PAID FOR IT? THAT FIGURE ONLY SHOWS THE WORTH OF OF YOUR CHARACTER.'

Did this person accumulate a debt at the hands of Asset Acceptance? NO...therefore, this person is legally obligated to pay these bottom-feeders absolutely nothing

Can these bottom feeders legally sue and collect a single cent regarding an out-of-SOL debt? NO

Does this consumer have any legal obligation to speak with this or ANY outside collection agency? NO

Can Asset Acceptance contact this consumer short of one last letter-of-intent after they receive a CEASE COMMUNICATIONS letter from him/her? NO...unless they desire being sued successfully for $1000/contact per violations of the FDCPA

Can Asset Acceptance validate the debt they bought via EACH AND EVERY BILL THAT LED TO THE ACCUMULATION OF THE DEBT, as required per the FDCPA? NO...as all they received for buying that old, out-of-SOL debt was a piece of paper with a name and account balance.

Contrary to what you and other OCA lowlifes believe, the power in these situations rests with the consumer and the consumer alone.

If you try to credit report an out-of-SOL debt that has not been validated or re-affirmed, you will be sued successfully.

If you harass a consumer after being ORDERED to cease communications, YOU will be sued successfully for EACH CONTACT.

-AND-

If you EVER try to come on this thread again and spew disinformation about what a consumer can or cannot do, or disparage anyone like you did before, I will personally be here to drop the hammer on your rebuttals. GUARANTEED

Statute of limitations does not "limit remedy", it legally makes a debt uncollectible in a court of law. To pursue collection of an alleged debt beyond the statute of limitations, upon proper advice to cease collection efforts, is a violation of the law and can make the third party collector the defendent in a harrassment law suit.

It matters how much was paid because that is an indication of the nature of the collector. The original creditor has already long charged off that debt and been awarded tax credit for that debt. Junk buyers have no interest in returning even one penny of the alleged debt to the original creditor. The alleged debt was never created with the junk debt buyer, only the original creditor. Thus the junk debt buyer is only enriching themselves on an alleged debt of which they have no financial interest loss. Additionally, junk debt buyers often purchase debts so old (and beyond SOL) that they cannot even find the appropriate party to the alleged debt and instead participate in such things as skip tracing and contacting the wrong people.

I'm sorry but harrassing people (often the wrong people) to try and get them to pay just to line your pockets (not the original creditor) is wrong.

HOW IS IT A VIOLATION TO ASK SOMEONE TO PAY A DEBT THAT THEY INCURRED. THE STATUTE OF LIMITATION ONLY LIMITS THE REMEDY THAT CAN TAKE, IT DOES NOT MAKE THE DEBT GO AWAY. WHY DIDNT YOU PAY IT IN THE 1ST PLACE? AND WHY DOES IT MATTER HOW MUCH THEY PAID FOR IT? THAT FIGURE ONLY SHOWS THE WORTH OF OF YOUR CHARACTER.

HOW IS IT A VIOLATION TO ASK SOMEONE TO PAY A DEBT THAT THEY INCURRED. THE STATUTE OF LIMITATION ONLY LIMITS THE REMEDY THAT CAN TAKE, IT DOES NOT MAKE THE DEBT GO AWAY. WHY DIDNT YOU PAY IT IN THE 1ST PLACE? AND WHY DOES IT MATTER HOW MUCH THEY PAID FOR IT? THAT FIGURE ONLY SHOWS THE WORTH OF OF YOUR CHARACTER.

HOW IS IT A VIOLATION TO ASK SOMEONE TO PAY A DEBT THAT THEY INCURRED. THE STATUTE OF LIMITATION ONLY LIMITS THE REMEDY THAT CAN TAKE, IT DOES NOT MAKE THE DEBT GO AWAY. WHY DIDNT YOU PAY IT IN THE 1ST PLACE? AND WHY DOES IT MATTER HOW MUCH THEY PAID FOR IT? THAT FIGURE ONLY SHOWS THE WORTH OF OF YOUR CHARACTER.

Just a update for everyone. Do not allow Asset Acceptance to rip you off. Consumers have rights. Higher a attorney if needed and Fight Asset Acceptance. Write letters to the FTC asking them to Shut Down Asset Acceptance for the deceptive consumer practices. Thank you.

Asset Acceptance Corp.*****
28405 Van d**e Avenue
Warren, Michigan 48092
Phone: (586) 446-7818
Fax: (586) 846-7837
Web Address: assetacceptance.com
(Branch offices in Baltimore, San Antonio, Cleveland, & Brandon, FL.)
2840 S. Falkenburg Road, Riverview, FL 33569 (Physical Office in Brandon, FL)


Other Offices/Numbers:
10500 Highway 281 N. Ste 150
San Antonio, Texas 78216
Phone: (210) 979-3600
Fax: (210) 979-3659
(410)846-2502

9940 Franklin Square Dr.
Nottingham, MD 21236
(410) 933-0960 (410) 931-3044

600 West Resource Drive, Independence, OH 44131
(216) 661-6152, (216) 485-8400 and (216) 661-0165.


Have fun!

Asset Acceptance Corp.*****
28405 Van d**e Avenue
Warren, Michigan 48092
Phone: (586) 446-7818
Fax: (586) 846-7837
Web Address: assetacceptance.com
(Branch offices in Baltimore, San Antonio, Cleveland, & Brandon, FL.)
2840 S. Falkenburg Road, Riverview, FL 33569 (Physical Office in Brandon, FL)


Other Offices/Numbers:
10500 Highway 281 N. Ste 150
San Antonio, Texas 78216
Phone: (210) 979-3600
Fax: (210) 979-3659
(410)846-2502

9940 Franklin Square Dr.
Nottingham, MD 21236
(410) 933-0960 (410) 931-3044

600 West Resource Drive, Independence, OH 44131
(216) 661-6152, (216) 485-8400 and (216) 661-0165.


Have fun!

Asset Acceptance Corp.*****
28405 Van d**e Avenue
Warren, Michigan 48092
Phone: (586) 446-7818
Fax: (586) 846-7837
Web Address: assetacceptance.com
(Branch offices in Baltimore, San Antonio, Cleveland, & Brandon, FL.)
2840 S. Falkenburg Road, Riverview, FL 33569 (Physical Office in Brandon, FL)


Other Offices/Numbers:
10500 Highway 281 N. Ste 150
San Antonio, Texas 78216
Phone: (210) 979-3600
Fax: (210) 979-3659
(410)846-2502

9940 Franklin Square Dr.
Nottingham, MD 21236
(410) 933-0960 (410) 931-3044

600 West Resource Drive, Independence, OH 44131
(216) 661-6152, (216) 485-8400 and (216) 661-0165.


Have fun!

Asset Acceptance Corp.*****
28405 Van d**e Avenue
Warren, Michigan 48092
Phone: (586) 446-7818
Fax: (586) 846-7837
Web Address: assetacceptance.com
(Branch offices in Baltimore, San Antonio, Cleveland, & Brandon, FL.)
2840 S. Falkenburg Road, Riverview, FL 33569 (Physical Office in Brandon, FL)


Other Offices/Numbers:
10500 Highway 281 N. Ste 150
San Antonio, Texas 78216
Phone: (210) 979-3600
Fax: (210) 979-3659
(410)846-2502

9940 Franklin Square Dr.
Nottingham, MD 21236
(410) 933-0960 (410) 931-3044

600 West Resource Drive, Independence, OH 44131
(216) 661-6152, (216) 485-8400 and (216) 661-0165.


Have fun!