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Report: #404558

Complaint Review: Asset Acceptance - Warren Michigan

  • Submitted:
  • Updated:
  • Reported By: Beltsville Maryland
  • Asset Acceptance P.O. Box 2036, Warren, Michigan U.S.A.

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In 2006, when my husband and I where purchasing our home, I discovered that this company (brood of vipers) had a judgement against me. The judgement was for a then 4 year old credit card debt. The statue of limitations in my state is 3 years.

They had "served" me at an old address. I never knew about the case until after three months after is was awarded. Still, I sent a letter to the court. Asset Acceptance answered the letter with doctored documents. The judgement stayed.

Now they are garnishing my wages. They say I owe them 12,000 for a credit card that had a $5000 limit. It was never tot he limit. I recieved a 1099 from the IRS for a portion of the balance when it was written off.

They must be stopped.

Sage
Beltsville, Maryland
U.S.A.

This report was posted on Ripoff Report on 12/24/2008 04:02 AM and is a permanent record located here: https://www.ripoffreport.com/reports/asset-acceptance/warren-michigan-48090-203/asset-acceptance-must-be-stopped-warren-michigan-404558. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
0Author
9Consumer
0Employee/Owner

#9 Consumer Comment

re:

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

POSTED: Friday, December 26, 2008
You have not taken adequate steps to fight back for something this serious. Filing this complaint, while good as a general warning to others, will probably not help you specifically.

Many bottom-feeder debt collectors have figured out that if they "accidentally" serve you a summons to an old/incorrect address where they know that you won't be there.....that you will be a "no show" on the court date because you weren't aware of it.....Then.... boom....an automatic default judgement is assessed against you. This is how these bank account freezes usually occur out of the clear blue sky. When the time comes to assess the judgment, they have no trouble finding your "real" address.

It is illegal to deliberately serve someone at an incorrect address. This tactic is called a "sewer service" summons delivery. If you can document that you were improperly served, you may be able to get this judgement voided.

* Have you gotten court records showing exactly what address you were served at and who signed the documents?
* If this was correct, did you petition the court to have the judgement vacated due to being improperly served?
Respond to this report!

#8 Consumer Comment

re:

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

POSTED: Friday, December 26, 2008
You have not taken adequate steps to fight back for something this serious. Filing this complaint, while good as a general warning to others, will probably not help you specifically.

Many bottom-feeder debt collectors have figured out that if they "accidentally" serve you a summons to an old/incorrect address where they know that you won't be there.....that you will be a "no show" on the court date because you weren't aware of it.....Then.... boom....an automatic default judgement is assessed against you. This is how these bank account freezes usually occur out of the clear blue sky. When the time comes to assess the judgment, they have no trouble finding your "real" address.

It is illegal to deliberately serve someone at an incorrect address. This tactic is called a "sewer service" summons delivery. If you can document that you were improperly served, you may be able to get this judgement voided.

* Have you gotten court records showing exactly what address you were served at and who signed the documents?
* If this was correct, did you petition the court to have the judgement vacated due to being improperly served?
Respond to this report!

#7 Consumer Comment

re:

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

POSTED: Friday, December 26, 2008
You have not taken adequate steps to fight back for something this serious. Filing this complaint, while good as a general warning to others, will probably not help you specifically.

Many bottom-feeder debt collectors have figured out that if they "accidentally" serve you a summons to an old/incorrect address where they know that you won't be there.....that you will be a "no show" on the court date because you weren't aware of it.....Then.... boom....an automatic default judgement is assessed against you. This is how these bank account freezes usually occur out of the clear blue sky. When the time comes to assess the judgment, they have no trouble finding your "real" address.

It is illegal to deliberately serve someone at an incorrect address. This tactic is called a "sewer service" summons delivery. If you can document that you were improperly served, you may be able to get this judgement voided.

* Have you gotten court records showing exactly what address you were served at and who signed the documents?
* If this was correct, did you petition the court to have the judgement vacated due to being improperly served?
Respond to this report!

#6 Consumer Comment

re:

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

POSTED: Friday, December 26, 2008
You have not taken adequate steps to fight back for something this serious. Filing this complaint, while good as a general warning to others, will probably not help you specifically.

Many bottom-feeder debt collectors have figured out that if they "accidentally" serve you a summons to an old/incorrect address where they know that you won't be there.....that you will be a "no show" on the court date because you weren't aware of it.....Then.... boom....an automatic default judgement is assessed against you. This is how these bank account freezes usually occur out of the clear blue sky. When the time comes to assess the judgment, they have no trouble finding your "real" address.

It is illegal to deliberately serve someone at an incorrect address. This tactic is called a "sewer service" summons delivery. If you can document that you were improperly served, you may be able to get this judgement voided.

* Have you gotten court records showing exactly what address you were served at and who signed the documents?
* If this was correct, did you petition the court to have the judgement vacated due to being improperly served?
Respond to this report!

#5 Consumer Comment

Words of wisdom from bill the debt collector

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

POSTED: Thursday, December 25, 2008
As Steve said you need a lawyer - excuse me for my bad typing but If I am correct there are consumer lawyers at naca.com - if that is not correct www.budhibbs.com has a link to consumer lawyers -
Been there done that - sued and won - so Do NOT roll over and let them screw you
Fight BACK
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#4 Consumer Comment

Sage, "sending a letter" to the court is NOT sufficient. That is NOT "fighting it"!!

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

POSTED: Thursday, December 25, 2008
Sage,

You obviously need the services of an attorney. Be sure to find one that specializes in collections matters. You can get an NACA attorney referral from the budhibbs site.

Also, be sure to file bar association complaints against all lawyers involved and ftc complaints for the collections violations.

Go to the clerk of court in your jurisdiction and get every paper filed in the case.
Pay particular attention to the "proof of service" affidavit. That is your evidence.

If they could find you to garnish your pay, they could have found you to properly serve you. That is your legal position. Bad service. SOL is another defense.

Get a lawyer and sue them for damages, and get the lowlife collections lawyer disbarred.

And, don't listen to that "BillColl01" idiot. He is a moron. He must have just gotten out of jail or rehab as I have not heard from him in awhile. He is or was a debt collector for a bottomfeeder company.

Don't get mad, get paid!!
Get a REAL attorney TODAY!
Respond to this report!

#3 Consumer Comment

By not notifying the person they are suing

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

POSTED: Wednesday, December 24, 2008
They file false documents - do not properly serve the person being sued and get a default judegement. You can't show up to court if you do not know you are being sued.

Since you are a bill collector you should know already - but choose to play dumb. You collectors are really easy to spot on these boards - your responses always give you away.

The www.budhibbs.com website is full of complaints exactly like this where a default judgement was granted and the person knew nothing about it because they were never properly served. This can easily be determined by what the server put in the report.
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#2 Consumer Comment

HOW

AUTHOR: Billcoll01 - (U.S.A.)

POSTED: Wednesday, December 24, 2008
LAURIE, HOW WOULD THEY OBTAIN A JUDGEMENT WITH "false court documents"?
WAS IT A FALSE COURT WTH A FALSE JUDGE? HEY, MAYBE THEY WENT ON JUDGE JOE BROWN!!
SAGE, A LOT OF PROCESS SERVERS LIE SO THEY CAN MAKE MORE MONEY. THEY LEAVE COURT DOCS ON DOORSTEP OR EVEN THROW THEM AWAY (THEY GET PAID BY HOW MANY SERVES THEY MAKE) IT HAPPENS A LOT HERE TOO BECAUSE WE HAVE PHOTO RADAR (A REAL RIPOFF) THAT IS THE ALT WAY TO SERVE THE TICKETS. WE HAVE HUNDREDS OF PEOPLE EVERY YEAR FIND OUT THEY GOT A TICKET WHN THE SUSPENSION LETTER COMES FROM THE DMV. THERE IS REALLY NO WAY TO PROVE THAT THEY DIDNT SERVE YOU UNLESS YOU CAN PROVE THAT YOU COULD NOT HAVE BEEN WHERE THEY SAID THEY SERVED YOU.
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#1 Consumer Comment

Do the research and stop them yourself

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

POSTED: Wednesday, December 24, 2008
Of course they used false court documents - that is what they do. There is a why to fight back - BUT YOU HAVE TO TAKE DO IT! Most of what they do is illegal and YOU CAN SUE THEM FOR IT!

www.budhibbs.com A consumer advocate website that specializes in helping consumers fight this type of illegal actitivity - Collection agencies do not want you to know about this site - because they expose the nasty illegal tricks they use.

You can find help at this site

Part of what they have posted about Asset Acceptance
Asset Acceptance Corp has earned the distinction of one of "AMERICA'S WORST COLLECTION AGENCIES". They lie, steal, cheat, misrepresent, file bogus claims, create phony documents and commit perjury in the court system JUST to increase their bottom line.
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