Asset Acceptance Being lied to or not told the entrie truth. Warren Michigan
I am dealing with issues and lies from Asset Acceptance LLC. I was taken to court over some credit card debt. I got a stipulation to make payments but unfortunately I got into a financial bind and missed a payment which forced a judgement.
Friday I called and spoke with a Maurice wade and he told me they would do another stipulation for 250 down and 50 a month there after. He then transferred me to Duane W. and he set everything up and is mailing me the paperwork..
Then yesterday afternoon I get another call from them so I called back and got a lady on the phone by the name of Sherika I think and she told me they can not put in another stipulation and the judgement is stuck on there and the reason they were calling is to garnish my wages.. So I advsd her what I was told that morning and on Friday and she told me that was incorrect and could not be done.. She said they were sending me a promise to pay letter and the judgement was not going anywhere.. I live in Florida and am the head of household taking care of a roommate that has a brain tumor.. Only one income as of right now.. I said I was going to call back and talk to a manager because I did not appreciate being lied to..
I want to know what you think I should do or if you can help me any way.. They have my banking information to start with the 250 on the 29th so if I should cancel it I need to give them at least a 5 day notice so please if you can help me please.
Tammy
Altamonte Springs, Florida
U.S.A.
2 Updates & Rebuttals
Steve
Bradenton,Florida,
U.S.A.
Tammy, here is all they can do to you in Florida
#3Consumer Suggestion
Wed, February 20, 2008
Tammy,
You may be better off just letting them go for a garnishment order. In the State of FL they can only get 25% of your disposable income, and there even are some exemptions to that.
For example, if you are head of household, your first $500 is totally exempt from garnishment. And, anything over that, you must agree in writing for it to be attached by garnishment.
Also, if you own a home and are homesteaded, they cannot even file a lien on your home, and the first $1000 of your car is exempt. So in reality if you have an old car they cannot touch it, and they cannot touch your home if homesteaded.
Or, you could simply file Bankruptcy. This may be your best option.
Don't even speak to them or stress about paying. Just change your phone# to an unlisted one, and let the chips fall where they may. Send a cease communications letter to any collectors that start calling again.
Don't let these lowlife stress you out.
Tim
Valparaiso,Indiana,
U.S.A.
Judgment = no more stipulations
#3Consumer Suggestion
Wed, February 20, 2008
There can be no more "stipulations" once a judgment is entered. Now you have to hope for a payment arrangement, or else you will face garnishments. And that's pretty much the end of the story.
It is kind of b.s. that you were told that you could enter into another stipulation. Unfortunately, the person you spoke with didn't know what they were talking about.
Shoot for a payment arrangement. I'm not too sure they will be willing to enter into such an arrangement given that you defaulted on the stipulation. But it's worth a try.