Acceptance in Warren is issuing a wage garnishment..Help! Warren Michigan

I agree that you should have never talked to them on the telephone. Even if nothing else, it puts you at a disadvantage and allows these belly-sliders to belittle, lie, cheat, and threaten you in ways most of us can't dream.

Always deal with them in writting only, and should they cross the line, you have the letter to show the authorities.

Now that has been said, a collection agency cannot garnish your wages. It is just another lie they tell you over the telephone to try to scare you into paying something. These collectors know what they are doing and any money they can get from you on the spot fattens their commission check.

Only a judge can garnish your wages, so until it goes to court, you can take that threat just like all the others that collector gave you.

The bottom line is, never talk to them on the phone, and never believe half of what they say. If they threaten you on your answering machine, take the conversation to your State Attorney and press charges against them.

I have spent a bit of time on this website and others today because I'm in bed due to a very personal tragedy that is a direct result of the stress these people put me under and after having to deal with Asset Acceptance, and I jumped on John for being an ex-employee, however, after reading some of his other posts I realize that clearly he is one of the good guys.

So I apologize for sounding harsh, however, it has been a terribly trying week, culminating in what happened this morning to me that was direectly attributable to the stress of the last 7 days, and having these people attempt to victimize my 96 year old grandfather just truly put me over the top, so I was harsh, it was uncalled for, and I apologize.

However, I sincerely, sincerely hope that you understand what personal tragedy means to a woman, and that you realize that what these people do, can and does have life altering consequences and can easily, easily result in the loss of life. NO ONE deserves that, regardless of whether they lived a long full life or never got the chance before being snuffed out... keep that in mind, and perhaps it will motivate you to really open up on here about what you know about Asset Acceptance, and the industry in general.

If you owe the money certainly you need to pay it, but keep in mind a whole lot of people being victimized by these companies, don't owe it, and probably never did, like in the case of my grandfather. The account had been closed after being paid in full.

I have spent a bit of time on this website and others today because I'm in bed due to a very personal tragedy that is a direct result of the stress these people put me under and after having to deal with Asset Acceptance, and I jumped on John for being an ex-employee, however, after reading some of his other posts I realize that clearly he is one of the good guys.

So I apologize for sounding harsh, however, it has been a terribly trying week, culminating in what happened this morning to me that was direectly attributable to the stress of the last 7 days, and having these people attempt to victimize my 96 year old grandfather just truly put me over the top, so I was harsh, it was uncalled for, and I apologize.

However, I sincerely, sincerely hope that you understand what personal tragedy means to a woman, and that you realize that what these people do, can and does have life altering consequences and can easily, easily result in the loss of life. NO ONE deserves that, regardless of whether they lived a long full life or never got the chance before being snuffed out... keep that in mind, and perhaps it will motivate you to really open up on here about what you know about Asset Acceptance, and the industry in general.

If you owe the money certainly you need to pay it, but keep in mind a whole lot of people being victimized by these companies, don't owe it, and probably never did, like in the case of my grandfather. The account had been closed after being paid in full.

I have spent a bit of time on this website and others today because I'm in bed due to a very personal tragedy that is a direct result of the stress these people put me under and after having to deal with Asset Acceptance, and I jumped on John for being an ex-employee, however, after reading some of his other posts I realize that clearly he is one of the good guys.

So I apologize for sounding harsh, however, it has been a terribly trying week, culminating in what happened this morning to me that was direectly attributable to the stress of the last 7 days, and having these people attempt to victimize my 96 year old grandfather just truly put me over the top, so I was harsh, it was uncalled for, and I apologize.

However, I sincerely, sincerely hope that you understand what personal tragedy means to a woman, and that you realize that what these people do, can and does have life altering consequences and can easily, easily result in the loss of life. NO ONE deserves that, regardless of whether they lived a long full life or never got the chance before being snuffed out... keep that in mind, and perhaps it will motivate you to really open up on here about what you know about Asset Acceptance, and the industry in general.

If you owe the money certainly you need to pay it, but keep in mind a whole lot of people being victimized by these companies, don't owe it, and probably never did, like in the case of my grandfather. The account had been closed after being paid in full.

I'm sorry I do not mean to sound harsh but you should post more specifically about all the insider information that you no doubt know about the vermin that work in Asset Acceptance offices and their illegal activities.

What your ex-company attempts to do to the elderly is reprehensible, disgusting, and downright amoral. ANYONE who participates in the activities of defrauding ELDERLY PEOPLE are individuals who have holes in their souls, and quite frankly I hope for your sake that you begged for absolution from God, the universe and Karma for anything you did while you worked for this company against anyone you tried to defraud or purposefully hurt, but especially anything you were a contributing party to with respect to an elderly person.

You better hope to god that you were never a contributing factor to an elderly person having a stroke or having anything hgappen to them as a direct result of your actions while you worked at Asset Acceptance. Your saving grace, is that you no longer work there, and I sincerely hope it's because you became enlightened to the illegality of your activiites and begged for forgiveness from whoever your moral compass may be.

I'm sorry I do not mean to sound harsh but you should post more specifically about all the insider information that you no doubt know about the vermin that work in Asset Acceptance offices and their illegal activities.

What your ex-company attempts to do to the elderly is reprehensible, disgusting, and downright amoral. ANYONE who participates in the activities of defrauding ELDERLY PEOPLE are individuals who have holes in their souls, and quite frankly I hope for your sake that you begged for absolution from God, the universe and Karma for anything you did while you worked for this company against anyone you tried to defraud or purposefully hurt, but especially anything you were a contributing party to with respect to an elderly person.

You better hope to god that you were never a contributing factor to an elderly person having a stroke or having anything hgappen to them as a direct result of your actions while you worked at Asset Acceptance. Your saving grace, is that you no longer work there, and I sincerely hope it's because you became enlightened to the illegality of your activiites and begged for forgiveness from whoever your moral compass may be.

I'm sorry I do not mean to sound harsh but you should post more specifically about all the insider information that you no doubt know about the vermin that work in Asset Acceptance offices and their illegal activities.

What your ex-company attempts to do to the elderly is reprehensible, disgusting, and downright amoral. ANYONE who participates in the activities of defrauding ELDERLY PEOPLE are individuals who have holes in their souls, and quite frankly I hope for your sake that you begged for absolution from God, the universe and Karma for anything you did while you worked for this company against anyone you tried to defraud or purposefully hurt, but especially anything you were a contributing party to with respect to an elderly person.

You better hope to god that you were never a contributing factor to an elderly person having a stroke or having anything hgappen to them as a direct result of your actions while you worked at Asset Acceptance. Your saving grace, is that you no longer work there, and I sincerely hope it's because you became enlightened to the illegality of your activiites and begged for forgiveness from whoever your moral compass may be.

I'm sorry I do not mean to sound harsh but you should post more specifically about all the insider information that you no doubt know about the vermin that work in Asset Acceptance offices and their illegal activities.

What your ex-company attempts to do to the elderly is reprehensible, disgusting, and downright amoral. ANYONE who participates in the activities of defrauding ELDERLY PEOPLE are individuals who have holes in their souls, and quite frankly I hope for your sake that you begged for absolution from God, the universe and Karma for anything you did while you worked for this company against anyone you tried to defraud or purposefully hurt, but especially anything you were a contributing party to with respect to an elderly person.

You better hope to god that you were never a contributing factor to an elderly person having a stroke or having anything hgappen to them as a direct result of your actions while you worked at Asset Acceptance. Your saving grace, is that you no longer work there, and I sincerely hope it's because you became enlightened to the illegality of your activiites and begged for forgiveness from whoever your moral compass may be.

AACC does have a legal department, it is not a threat. I am a former employee.

Nikki,

It is ILLEGAL for a collection agency to add collection fees or other costs to your "debt". The ONLY thing they can add is the interest as regulated by law.

AND, they MUST be able to PROPERLY itemize ALL charges.

So here's what you do. STOP PAYING.

Now, in writing DEMAND a full account history and itemization of all charges. Tell them until you recieve a satisfactory accounting of said charges, they will not recieve another payment.

Tell them they can do this voluntarily or they can do it in court at their expense. Be very clear that this is absolutely NON NEGOTIABLE.

Send this by certified mail, return reciept requested to BOTH parties involved. be sure to put the certified# on the letter itself and keep a copy of it for your records.

NEVER let a collector dictate how things will be done. YOU are absolutely 100% in charge when dealing with a collector.

And, paying this debt WILL NOT remove it from your credit report. It will just show as a "paid collection" which is still negative for scoring purposes.

Have fun!

Renee,

OK, I did not realize there was a separate debt here.

On that one, DO NOT even acknowledge it! When you go to court simply state it is not yours and you know nothing about it. Also tell the judge that you demanded validation of the debt which was not provided.

The most important factor is that it was legally uncollectable due to SOL if they cannot produce a written contract with your signature on it.

The judge will usually toss this out in addition to the reasons above if you say you were never served.

You really should let a lawyer handle this at this point, as you would most likely win and get your legal fees and costs paid.

If all else fails, QUIT your job and go work for cash or do a sub-minimun wage job + tips which you would not declare.

Good luck!

Renee,

OK, I did not realize there was a separate debt here.

On that one, DO NOT even acknowledge it! When you go to court simply state it is not yours and you know nothing about it. Also tell the judge that you demanded validation of the debt which was not provided.

The most important factor is that it was legally uncollectable due to SOL if they cannot produce a written contract with your signature on it.

The judge will usually toss this out in addition to the reasons above if you say you were never served.

You really should let a lawyer handle this at this point, as you would most likely win and get your legal fees and costs paid.

If all else fails, QUIT your job and go work for cash or do a sub-minimun wage job + tips which you would not declare.

Good luck!

Renee,

OK, I did not realize there was a separate debt here.

On that one, DO NOT even acknowledge it! When you go to court simply state it is not yours and you know nothing about it. Also tell the judge that you demanded validation of the debt which was not provided.

The most important factor is that it was legally uncollectable due to SOL if they cannot produce a written contract with your signature on it.

The judge will usually toss this out in addition to the reasons above if you say you were never served.

You really should let a lawyer handle this at this point, as you would most likely win and get your legal fees and costs paid.

If all else fails, QUIT your job and go work for cash or do a sub-minimun wage job + tips which you would not declare.

Good luck!

Renee,

OK, I did not realize there was a separate debt here.

On that one, DO NOT even acknowledge it! When you go to court simply state it is not yours and you know nothing about it. Also tell the judge that you demanded validation of the debt which was not provided.

The most important factor is that it was legally uncollectable due to SOL if they cannot produce a written contract with your signature on it.

The judge will usually toss this out in addition to the reasons above if you say you were never served.

You really should let a lawyer handle this at this point, as you would most likely win and get your legal fees and costs paid.

If all else fails, QUIT your job and go work for cash or do a sub-minimun wage job + tips which you would not declare.

Good luck!

Renee, sorry to interject on your post, but I have a question for Steve.

I have seen you post before that a collection agency cannot add their fees to your report, other than allowable interest. I have a doctor bill in which the original amount owed was $868. I am making payments to the doctor's office to satisfy this. However, a collection agency has it listed on my report as original amount owed $868, new balance $1250. That is a 44% addition to the original balance.

Also, according to the doctor's office, I only owe them the $868 less the $300 I have already paid them. The remaining $382 is what the collection agency added to the bill when they posted it on my report.

After I pay the doctor off, can the collection agency hold me responsible for the additional $382 before they report it to the bureaus as paid in full?

Also, the doctor's office won't take it out of collections because they said I have to pay the collection agency and not them. However, when I send the doctor my check every month, they cash it.

I am paying it because it is a new bill, but I refuse to pay the collection agency.

When I agreed to make a payment with Asset Acceptance it was for an old SBC and Nicor gas account. This is for Ballys which I never agreed because I didn't know about it.

The letter I received was from the cook county courts which states that I have to appear in court for a citation of Assets, Not only did they do this without my knowledge but I notice my employer is copied on this letter with questions they have to answer to start the garnishment.

I very upset because now my paroll department has been contacted. I was doing some research and went online to the cook county court website and found a form called Exemption of Citation. I have to file for a court date and show the judge that I cannot afford to pay them because I won't be able to pay mortgage and etc.

It is suppose to be then up to the judge to determine if they can still proceed with the garnishment. I don't know how this works but if you or anyone have any knowledge please advise.

Renee,

This is exactly why you NEVER speak to any debt collector on the phone. NEVER!!!

That debt was most likely UNCOLLECTABLE as the SOL in IL is 4-10 years, depending on the type of debt. However when you made an offer to pay, you may have legally affirmed the debt, thus restaring the SOL and making the debt now legally collectable.

On a garnishment in IL, they can only get 15% of your gross wages.

FYI..There is no "legal" dept at Asset Acceptance. they are all just debt collectors, and the "legal" debt thing is used as a means of intimidation.

NEVER even discuss payments with any collector without getting full validation in writing. Stay off the phone!

And only a court/ govt agency can can issue a wage garnishment order. A debt collector cannot.

And, a collection agency CANNOT add "fees" to any collection amount. They can only charge the max interest as allowed by law on top of the original amount of default.

Renee,

This is exactly why you NEVER speak to any debt collector on the phone. NEVER!!!

That debt was most likely UNCOLLECTABLE as the SOL in IL is 4-10 years, depending on the type of debt. However when you made an offer to pay, you may have legally affirmed the debt, thus restaring the SOL and making the debt now legally collectable.

On a garnishment in IL, they can only get 15% of your gross wages.

FYI..There is no "legal" dept at Asset Acceptance. they are all just debt collectors, and the "legal" debt thing is used as a means of intimidation.

NEVER even discuss payments with any collector without getting full validation in writing. Stay off the phone!

And only a court/ govt agency can can issue a wage garnishment order. A debt collector cannot.

And, a collection agency CANNOT add "fees" to any collection amount. They can only charge the max interest as allowed by law on top of the original amount of default.

Renee,

This is exactly why you NEVER speak to any debt collector on the phone. NEVER!!!

That debt was most likely UNCOLLECTABLE as the SOL in IL is 4-10 years, depending on the type of debt. However when you made an offer to pay, you may have legally affirmed the debt, thus restaring the SOL and making the debt now legally collectable.

On a garnishment in IL, they can only get 15% of your gross wages.

FYI..There is no "legal" dept at Asset Acceptance. they are all just debt collectors, and the "legal" debt thing is used as a means of intimidation.

NEVER even discuss payments with any collector without getting full validation in writing. Stay off the phone!

And only a court/ govt agency can can issue a wage garnishment order. A debt collector cannot.

And, a collection agency CANNOT add "fees" to any collection amount. They can only charge the max interest as allowed by law on top of the original amount of default.

Renee,

This is exactly why you NEVER speak to any debt collector on the phone. NEVER!!!

That debt was most likely UNCOLLECTABLE as the SOL in IL is 4-10 years, depending on the type of debt. However when you made an offer to pay, you may have legally affirmed the debt, thus restaring the SOL and making the debt now legally collectable.

On a garnishment in IL, they can only get 15% of your gross wages.

FYI..There is no "legal" dept at Asset Acceptance. they are all just debt collectors, and the "legal" debt thing is used as a means of intimidation.

NEVER even discuss payments with any collector without getting full validation in writing. Stay off the phone!

And only a court/ govt agency can can issue a wage garnishment order. A debt collector cannot.

And, a collection agency CANNOT add "fees" to any collection amount. They can only charge the max interest as allowed by law on top of the original amount of default.