Asset Acceptance Ripoff federal law violations Warren Michigan

There seems to be something missing here. Is the agency trying to sue over your brothers debt or sue your brother over your debt? Or do you both have accounts with them?

It is against the law for an agency to "pretend" to be someone other than who they are. ($,1000 fine)

If you have a claim against you and don't believe it is yours you need to send them a validation letter. if the debt isn't yours, you need to send them a this isn't my debt letter.

The letters need to be sent certified return receipt requested with the certification number on the letter itself to prove what was sent.

Prohibited Tactics
A number of misleading or deceptive tactics by debt collectors are expressly prohibited. Debt collector may not mislead debtors about who they are, may not mislead debtors about the debts, may not mislead about what actions they will be taking, or make any false representations in order to obtain information.
Debt collectors may not misrepresent who they are or misrepresent documents by:
o Using false names
o Pretending to be an attorney, state, local or federal official, law enforcement or court officer o Using forms or documents designed to look like "official" court or government documents if they are not
o Pretending to be or affiliated with a credit reporting agency
o Falsely implying that documents are not legal process forms or do not require any action or response by the consumer when they do
o Suggesting that a debt has been turned over to an "innocent third party" when in fact the debt has been transferred to a collection agency

Debt collectors may not use false representations to collect a debt or to get information by:
Using false pretenses to either induce the debtor to contact the debt collector or make payment, or to obtain information about the consumer from third parties
Threatening the consumer with arrest or seizure of property or wages, without disclosing that court orders may be required for any such action


Debt collectors may not make misrepresentation about the debt by:
Misrepresenting the size or status of the claimed debt, or falsely characterizing the status of any legal proceedings involving the debtor
Stating or implying that attorney's fees or costs will be added to the debt unless such charges are specifically allowed by contract, agreement, or court order (most consumer credit agreements, such as credit card contracts, contain a provision obligating the consumer to pay collection costs and fees)
Implying that a transfer or sale of the debt will cause the consumer-debtor to lose the ability to defend him- or her-self about the non-payment of the debt, or will be subject to some unlawful debt collection practice
Communicating, or threatening to communicate, false credit information to another person or creditor, including failing to communicate that a particular debt is disputed.