Complaint Review: Asset Acceptance

These lousy scum suckers took me to court, even though I had moved out of state, so I had to appear two (2) separate times to PREVENT a default judgement, when I showed up the last time, the lawyer-wanna-be about had a cow. They immediately dismissed the case. The Judge says OK, you can go. I said wait a minute here!!! They just made me fly from out of state to have this dismissed, this is just WRONG! The Judge then made them pay me back the court costs, ARE YOU FREAKING KIDDING ME?!?!?!? It then took about 10 calls and 6 months just to get about one hundredth of what it has cost me!!!

Don't let these low-life pond scum bill collectors push you into paying something that is not yours!

Was this matter adjudicated in small claims court? It appears so to me. Most small claims courts cannot grant legal fees, lost wages and the like.

Should this ever happen to you again (and to others reading this) hire a competant attorney who specializes in consumer credit issues and countersue in DISTRICT COURT. District Court can award you reasonable legal fees plus ACTUAL DAMAGES in addition to the statutory damages of up to $1000 allowed by the FDCPA.

There have been many cases whereas the DCs have awarded damages in excess of $15000 (including legal fees, court costs, etc.)

Good luck in the future.

Was this matter adjudicated in small claims court? It appears so to me. Most small claims courts cannot grant legal fees, lost wages and the like.

Should this ever happen to you again (and to others reading this) hire a competant attorney who specializes in consumer credit issues and countersue in DISTRICT COURT. District Court can award you reasonable legal fees plus ACTUAL DAMAGES in addition to the statutory damages of up to $1000 allowed by the FDCPA.

There have been many cases whereas the DCs have awarded damages in excess of $15000 (including legal fees, court costs, etc.)

Good luck in the future.

Was this matter adjudicated in small claims court? It appears so to me. Most small claims courts cannot grant legal fees, lost wages and the like.

Should this ever happen to you again (and to others reading this) hire a competant attorney who specializes in consumer credit issues and countersue in DISTRICT COURT. District Court can award you reasonable legal fees plus ACTUAL DAMAGES in addition to the statutory damages of up to $1000 allowed by the FDCPA.

There have been many cases whereas the DCs have awarded damages in excess of $15000 (including legal fees, court costs, etc.)

Good luck in the future.

After years of being harrassed, ruining my credit by showing an active collection and legal action, costing me thousands of dollars in court, travel, lawyer costs, etc. all over an account that was NOT mine, I WIN IN THE COURT OF LAW!!!!

The so-called judge that is also part of this RIP-OFF SCAM SYSTEM would not even dismiss WITH prejudice, she is making them give me my court costs and THAT IS IT! I demanded the so-called judge make them pay, BUT NO!!! The law firm and their dirty, greasy, slimy, poorly dressed, sub-human LIAR (AKA lawyer) also part of the RIPOFF SCAM, had paperwork all ready for a default judgement, BUT I SHOWED UP AND RUINED THEIR SCAM!!!

They are ripping people off by using coercion tactics to scare them into paying, rather than fight for the TRUTH. I refused and it has cost me FAR more than it would have to just pay, BUT I WILL NOT BOW DOWN TO THESE SCUMBAG COLLECTORS!!! ALL COLLECTORS, every single one, they are nothing but FILTHY SCUMBAGS. These SCUMBAGS buy old debt at pennies on the dollar, charge CRIMINAL interest rates on debt that they did not even write, and use CRIMINAL tactics to SCARE people into paying.

If you have been done the same way by Asset Acceptance, please let me know. We need to unite against these SCUMBAG COLLECTORS!!!

To all the people that are being CONSTANTLY HASSLED and RIPPED OFF by Asset Acceptance. I have only begun to fight these lousy, low-life, scumbag bill collectors. They have dug in like the worst termites, lice, maggots, crabs, cockroaches, mold the US has ever known. They have surrounded themselves with the lowest of the low in law "circle jerks" and are ABSOLUTELY COUNTING on the average American citizen being scared and harrased into paying excessively inflated sums on accounts they BOUGHT for pennies on the dollar. The KEY to this is that they BOUGHT charged-off debt. Under NO CIRCUMSTANCES was there EVER a contract with these SCUMBAG MAGGOTS. Under NO CIRCUMSTANCES can their claim of a "written contract" be enforced!!! Asset Acceptance NEVER had a written contract with anyone they are trying to BULLY into paying for a CHARGED OFF debt. Most of these CHARGED OFF accounts are well passed their "Open Contract" SOL. Asset Acceptance lawyers will TRY to BULLY, LIE, PUSH, DEMAND, LIE, CHEAT, STEAL, LIE, HASSLE, LIE to get you to pay for something that is either not yours, or well passed the FDCPA LAWS! American Citizens! IT IS TIME TO TAKE A STAND!!! These SCUMBAGS are lobbying our criminal politicians into allowing these illegal methods of operation, WE MUST TAKE A STAND!!! THIS CANNOT BE ALLOWED TO CONTINUE!!!

I have NEVER had an account with these SCUMBAGS or with the company they say they bought "MY" debt from, THEY ARE LIARS, CHEATS AND THIEVES!!!! I am being FORCED to pay court costs, lawyer fees, and lost time from work just to defend my name! They do not have any paperwork, no proof, not even any bills with my correct name, it is SOMEBODY ELSE'S DEBT. HOWEVER, I HAVE TO PAY TO DEFEND MY NAME!!! ASSET ACCEPTANCE WILL PAY FOR THIS, IF IT TAKES THE REST OF MY LIFE, THEY WILL PAY!!!

To all the people that are being CONSTANTLY HASSLED and RIPPED OFF by Asset Acceptance. I have only begun to fight these lousy, low-life, scumbag bill collectors. They have dug in like the worst termites, lice, maggots, crabs, cockroaches, mold the US has ever known. They have surrounded themselves with the lowest of the low in law "circle jerks" and are ABSOLUTELY COUNTING on the average American citizen being scared and harrased into paying excessively inflated sums on accounts they BOUGHT for pennies on the dollar. The KEY to this is that they BOUGHT charged-off debt. Under NO CIRCUMSTANCES was there EVER a contract with these SCUMBAG MAGGOTS. Under NO CIRCUMSTANCES can their claim of a "written contract" be enforced!!! Asset Acceptance NEVER had a written contract with anyone they are trying to BULLY into paying for a CHARGED OFF debt. Most of these CHARGED OFF accounts are well passed their "Open Contract" SOL. Asset Acceptance lawyers will TRY to BULLY, LIE, PUSH, DEMAND, LIE, CHEAT, STEAL, LIE, HASSLE, LIE to get you to pay for something that is either not yours, or well passed the FDCPA LAWS! American Citizens! IT IS TIME TO TAKE A STAND!!! These SCUMBAGS are lobbying our criminal politicians into allowing these illegal methods of operation, WE MUST TAKE A STAND!!! THIS CANNOT BE ALLOWED TO CONTINUE!!!

I have NEVER had an account with these SCUMBAGS or with the company they say they bought "MY" debt from, THEY ARE LIARS, CHEATS AND THIEVES!!!! I am being FORCED to pay court costs, lawyer fees, and lost time from work just to defend my name! They do not have any paperwork, no proof, not even any bills with my correct name, it is SOMEBODY ELSE'S DEBT. HOWEVER, I HAVE TO PAY TO DEFEND MY NAME!!! ASSET ACCEPTANCE WILL PAY FOR THIS, IF IT TAKES THE REST OF MY LIFE, THEY WILL PAY!!!

To all the people that are being CONSTANTLY HASSLED and RIPPED OFF by Asset Acceptance. I have only begun to fight these lousy, low-life, scumbag bill collectors. They have dug in like the worst termites, lice, maggots, crabs, cockroaches, mold the US has ever known. They have surrounded themselves with the lowest of the low in law "circle jerks" and are ABSOLUTELY COUNTING on the average American citizen being scared and harrased into paying excessively inflated sums on accounts they BOUGHT for pennies on the dollar. The KEY to this is that they BOUGHT charged-off debt. Under NO CIRCUMSTANCES was there EVER a contract with these SCUMBAG MAGGOTS. Under NO CIRCUMSTANCES can their claim of a "written contract" be enforced!!! Asset Acceptance NEVER had a written contract with anyone they are trying to BULLY into paying for a CHARGED OFF debt. Most of these CHARGED OFF accounts are well passed their "Open Contract" SOL. Asset Acceptance lawyers will TRY to BULLY, LIE, PUSH, DEMAND, LIE, CHEAT, STEAL, LIE, HASSLE, LIE to get you to pay for something that is either not yours, or well passed the FDCPA LAWS! American Citizens! IT IS TIME TO TAKE A STAND!!! These SCUMBAGS are lobbying our criminal politicians into allowing these illegal methods of operation, WE MUST TAKE A STAND!!! THIS CANNOT BE ALLOWED TO CONTINUE!!!

I have NEVER had an account with these SCUMBAGS or with the company they say they bought "MY" debt from, THEY ARE LIARS, CHEATS AND THIEVES!!!! I am being FORCED to pay court costs, lawyer fees, and lost time from work just to defend my name! They do not have any paperwork, no proof, not even any bills with my correct name, it is SOMEBODY ELSE'S DEBT. HOWEVER, I HAVE TO PAY TO DEFEND MY NAME!!! ASSET ACCEPTANCE WILL PAY FOR THIS, IF IT TAKES THE REST OF MY LIFE, THEY WILL PAY!!!

To all the people that are being CONSTANTLY HASSLED and RIPPED OFF by Asset Acceptance. I have only begun to fight these lousy, low-life, scumbag bill collectors. They have dug in like the worst termites, lice, maggots, crabs, cockroaches, mold the US has ever known. They have surrounded themselves with the lowest of the low in law "circle jerks" and are ABSOLUTELY COUNTING on the average American citizen being scared and harrased into paying excessively inflated sums on accounts they BOUGHT for pennies on the dollar. The KEY to this is that they BOUGHT charged-off debt. Under NO CIRCUMSTANCES was there EVER a contract with these SCUMBAG MAGGOTS. Under NO CIRCUMSTANCES can their claim of a "written contract" be enforced!!! Asset Acceptance NEVER had a written contract with anyone they are trying to BULLY into paying for a CHARGED OFF debt. Most of these CHARGED OFF accounts are well passed their "Open Contract" SOL. Asset Acceptance lawyers will TRY to BULLY, LIE, PUSH, DEMAND, LIE, CHEAT, STEAL, LIE, HASSLE, LIE to get you to pay for something that is either not yours, or well passed the FDCPA LAWS! American Citizens! IT IS TIME TO TAKE A STAND!!! These SCUMBAGS are lobbying our criminal politicians into allowing these illegal methods of operation, WE MUST TAKE A STAND!!! THIS CANNOT BE ALLOWED TO CONTINUE!!!

I have NEVER had an account with these SCUMBAGS or with the company they say they bought "MY" debt from, THEY ARE LIARS, CHEATS AND THIEVES!!!! I am being FORCED to pay court costs, lawyer fees, and lost time from work just to defend my name! They do not have any paperwork, no proof, not even any bills with my correct name, it is SOMEBODY ELSE'S DEBT. HOWEVER, I HAVE TO PAY TO DEFEND MY NAME!!! ASSET ACCEPTANCE WILL PAY FOR THIS, IF IT TAKES THE REST OF MY LIFE, THEY WILL PAY!!!

Hi,
Show up at the court and deny that you owe this alleged debt. Don't get hostile and don't believe Asset Acceptance or the lawfirms they hire. Aside from the FDCPA there is also basic contract law.

You can do 2 things go to the courthouse and ask which floor you have to file a motion for discovery. You either have to hire a paralegal draw up the motion for discovery letter/document figure out how to do it yourself. Ask the clerk at the courthouse they were very helpful with me.

Or you can get an order to show cause. You go to the same floor and they enter in their computers that you want an order to show cause and I guess they then request the information. this is a website that might help you about these 2 matters. It has to do with another illegal debt collection lawyer firm, but it has alot of good info.

geocities.com/presslerclub/

He gives an example of the motion for discovery he wrote so it might give you an idea how to do one yourself. I am also not a lawyer just trying my best to fight them.

Try not to be afraid, if you can go withsome. Most of these lawyers are a joke. Don't talk listen to them. Deny you owe the debt, and tell them it has not been VALIDATED. According to basic contract law, they have to come up with a contract proving you agreed to something if they don't they are screwed. And be slick, they are really shakedown artists or whatever you call it. The judge, lawyer, mediators they are all in on the scam. Don't let them get you angry, they wan't that so they can trip you up and you give them information which they don't have anyway.. I wish you luck and wish me luck as well.

Also when you answer the summons state you want it dismissed with prejudice and tell them your legal counsel informed you to do so, in case they try to BS you it can't be done. Dismissed with prejudice means they CAN'T ever sue you again on that specific debt and they are screwed.

So, this may not be in small claims court. I would go to the website, naca.net. National Association of Consumer Advocates. These are consumer rights attorneys (very familiar with scum like Asset Acceptance) and you would be able to find one near your locale. They have lots of them in Chicago, of course. They would be better able to address your civil procedure concerns and represent you. Good luck!

Hey, I appreciate the help, but how do I go about handling this in small claims court. Do I ask for Asset Accetance to "prove it" with statements and documentation? Do I just present the facts to the judge and the judge will make a decision right there? How does this work? I know if I don't go they will just get a judgement against me, that is what these IGNORANT, LOW-LIFE SCUMBAGS think I will do. LET ME ASSURE YOU, THEY ARE AS WRONG AS THEY ARE SCUM!

Thanks!

Faron,

You have given bad advice.

Once the summons has been served, it is too late to send "debt validation" requests and "cease communications" requests.

At this point, the FDCPA is not applicable, and now the rules of civil procedure take precedent.

The "validation" will be provided ONLY through a "discovery" request at this point. A motion must be filed.

Faron,

You have given bad advice.

Once the summons has been served, it is too late to send "debt validation" requests and "cease communications" requests.

At this point, the FDCPA is not applicable, and now the rules of civil procedure take precedent.

The "validation" will be provided ONLY through a "discovery" request at this point. A motion must be filed.

Faron,

You have given bad advice.

Once the summons has been served, it is too late to send "debt validation" requests and "cease communications" requests.

At this point, the FDCPA is not applicable, and now the rules of civil procedure take precedent.

The "validation" will be provided ONLY through a "discovery" request at this point. A motion must be filed.

Faron,

You have given bad advice.

Once the summons has been served, it is too late to send "debt validation" requests and "cease communications" requests.

At this point, the FDCPA is not applicable, and now the rules of civil procedure take precedent.

The "validation" will be provided ONLY through a "discovery" request at this point. A motion must be filed.

Send them a certified letter, return receipt requesed asking them to validate the debt. Tell them they have 30 days to do this. This is part of the FCPA Fair Credit Reporting Act. If your trial is within thirty days, show up for trial and ask for a continuance based on the fact you are seeking to verify this claim. Usually these bottomfeeders will go away once you seek the validation of debt. Assuming you have the verification and it is beyond five years, you will need to bring this fact to the judge, The judge will not raise the defense for you. Usually when you have gotten this far, the judge will dismiss the case OR the bottomfeeding scum will not pursue any further. Do NOT talk to this bottomfeeder over the phone, under any circumstances. If they have not responded in 30 days with the validation of debt, send them a CEASE COMMUNICATIONS letter. If they contact you, in any way after sending them the Cease Communication letter and you have documentation they have received it because sent this certifed return receipt, then contact the FTC and file charges against them because once they have received the cease communicationletter, they are no longer allowed to contact you. More than likely, they will cease any communication with you and move on to the next victim.

Possibly it's a debt from a hospital that they turned over to the collection agency. It's really hard to know, but the validation should give you the information you need.

Good luck!

If they filed a lawsuit on an "out of stat" debt, you automatically win your countersuit for damages. The FDCPA allows for up to $1000 in punitive damages, plus costs, and also for actual civil damages, plus costs..

You have the opputunity right now to get paid by a bottomfeeder!

They have NO defense, as there is a "due diligence" requirement before filing a lawsuit. They had the LEGAL OBLIGATION to verify the debt was valid and legally collectable BEFORE filing the lawsuit. They cannot just say "sorry we made a mistake", etc. Too late for that!

Asset Acceptance are MAJOR bottomfeeders and have a very por reputation that is clearly documented. This is an easy win. You should not pass up this opportunity.

Be sure to respond as required by law to the summons, and clearly deny the claim, and identify the lawsuit as frivolous.

Here's what Bud Hibbs from budhibbs.com has to say about Asset Acceptance:

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Bud Says...

ONE OF AMERICA'S WORST COLLECTION AGENCIES!

********** FORMER ASSET EMPLOYEES**********

Please Email Us or Call our Office


****CONSUMER NOTICE***
ARE YOU A VICTIM OF ASSET ACCEPTANCE CORP? HAVE YOU BEEN SUED BY THEM? WAS A JUDGMENT OBTAINED? ARE YOUR WAGES BEING GARNISHED, BANK ACCOUNT LEVIED? IF SO, PLEASE GET IN CONTACT WITH ME.

Asset Acceptance Corp. (AAC) is a publicly traded company. (Nasdaq: AACC)

They purchases old portfolios of mostly worthless charged-off accounts for pennies on the dollar. Once owned, they appear to inflate the value of the portfolio, send out dunning notices and try to collect at a ridiculous profit.

Don't be surprised if you notice the date of last activity on your credit report, as stated by AAC is WRONG! Deliberately changing the date of last activity is a way to scam consumers into thinking they are entitled to money they would not legally be allowed to collect.

This is standard procedure for them -- from "re-aging" the debt on the credit history, to suing on what is probably a statute of limitations claim, to reneging on a written promise.

Watch out for the mystery $50-$75 payment you didn't' make that magically revives the account. When pressed, they claim to do an investigation and "discover" that they made a "clerical error" and mistakenly posted someone else's payment to your account.

NOTHING this 'House of Cons' does should be believed or taken at face value. They have proven over and over they are liars and thieves!

Under federal law, the Fair Credit Reporting Act (FCRA) an account may ONLY stay on a credit report for seven years. One of the cons being used by Asset Acceptance is to claim you made a $50 payment, which would have re-started that clock. Unfortunately this is a 'bogus-claim' by AAC, is illegal and violates your rights.

Asset Acceptance Corp has earned the distinction of one of "AMERICA'S WORST COLLECTION AGENCY'S". 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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Agency Details

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

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

248-220-8709


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.

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If more victims of these con men and thugs held them accountable, they would go away. EVERY victim of a bottomfeeder needs to immediately file a lawsuit for FDCPA and FCRA violations as allowed by law. They would be so busy defending against lawsuits, they would not have time for intimidation and harassment!

Don't get mad, GET PAID!!