- Report: #196139
Complaint Review: ASSET ACCEPTANCE LLC - Warren Michigan
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Author Confirmed
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ASSET ACCEPTANCE LLC
P.O. Box 2036 Warren, 48090 Michigan, U.S.A.
Phone:
800-545-9931
Web:
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ASSET ACCEPTANCE ripoff Warren Michigan
*Consumer Comment: a few things
*Author of original report: That's what I thought.
*Consumer Suggestion: Still there.... any advice?
*Consumer Suggestion: Joshua, here's what happened
*Consumer Comment: Use Your Attorney
*Consumer Comment: Use Your Attorney
*Consumer Comment: Use Your Attorney
*Consumer Comment: Use Your Attorney
I had a truck stolen in October of 1996. Insurance company paid the bank. After they went back and forth for years over the amount, the bank gave up. Then years later a collection agency picked up the account. I had to get a lawyer to stop them from harrasing me. Now they keep messing with my credit reports adding that I owe them more money each month. This is illegal, they can not collect extra money. Also it has been 10 years and no legal action by the bank or nor the collection agency has been taken, they just mess with my credit.
Joshua
Lisbon, Ohio
U.S.A.
Joshua
Lisbon, Ohio
U.S.A.
8 Updates & Rebuttals
Chip
Anytown,Indiana,
U.S.A.
Use Your Attorney
#2Consumer Comment
Thu, July 27, 2006
You said you had retained an attorney. You'll have to get him/her involved again. A simple letter from him/her should suffice. I had a similar problem, and had to get my attorney involved. It took one simple letter from him.
Chip
Anytown,Indiana,
U.S.A.
Use Your Attorney
#3Consumer Comment
Thu, July 27, 2006
You said you had retained an attorney. You'll have to get him/her involved again. A simple letter from him/her should suffice. I had a similar problem, and had to get my attorney involved. It took one simple letter from him.
Chip
Anytown,Indiana,
U.S.A.
Use Your Attorney
#4Consumer Comment
Thu, July 27, 2006
You said you had retained an attorney. You'll have to get him/her involved again. A simple letter from him/her should suffice. I had a similar problem, and had to get my attorney involved. It took one simple letter from him.
Chip
Anytown,Indiana,
U.S.A.
Use Your Attorney
#5Consumer Comment
Thu, July 27, 2006
You said you had retained an attorney. You'll have to get him/her involved again. A simple letter from him/her should suffice. I had a similar problem, and had to get my attorney involved. It took one simple letter from him.
Steve
Bradenton,Florida,
U.S.A.
Joshua, here's what happened
#6Consumer Suggestion
Thu, July 27, 2006
Joshua, Asset Acceptance are JUNK DEBT BUYERS. They bought that old "debt" for far less than a penny on the dollar. The bank is no longer involved. They sold it off a long time ago. What happened is that the bank did not like what the insurance company paid, even though they accepted it. So the bank filed a deficiency on it without suing you for it, and sold it in a portfolio of bad debt. This is illegal. A deficiency judgement can only be granted by the court. The bank engaged in fraud and should be investigated. FYI...The statute of limitations in OH is 15 years, so they can legally attempt to collect it and put it on your credit. You need to send a request for debt validation to both the bank and the collection agency. Clearly dispute the debt and demand an account history and itemization of charges. Send this by certified mail return reciept requested. Be sure to put the certified# on the letter itself. You need to send a dispute by the means above to all 3 major credit bureaus too. Use the reason "account satisfied" and explain they accepted payment in full from your insurance company. You might want to contact your insurance company first and get a copy of the payoff to the bank. Good luck.
Joshua
Lisbon,Ohio,
U.S.A.
Still there.... any advice?
#7Consumer Suggestion
Thu, July 27, 2006
I just checked on my credit report and these idiots are still on there, any advice?
Joshua
Lisbon,Ohio,
U.S.A.
That's what I thought.
#8Author of original report
Wed, June 14, 2006
A few years ago they even told my parents they were an old friend from school looking for me. After that I went and had a lawyer send them a letter stating they needed to conatct him directly. Once and awhile they send me a bill and I just file it. I love the fact that they add money each month to a car payment that is 10 years old. They also change the date they say the located me, which is a lie.
Don
Belleville,Illinois,
U.S.A.
a few things
#9Consumer Comment
Tue, June 13, 2006
First, you said the bank gave up. If that was the case, the account would not have been sent to a collection agency. However, based on your story, they should be going after your insurance company, and not you. Second, you are right that once the statute of limitations has passed, they can not sue you, or mess with your credit. THey can still attempt to collect it, and the amount could change. Not this case, but some credit cards continue to charge interest even if it is collections.
