Complaint Review: Asset Acceptance LLC - Warren Michigan

The part about violations was something that I found while looking at more than a dozen sample letters, many of them from similar sites to this, or specifically from sites for cleaning up credit reports. Anyhoo. It's already reported as disputed from when I sent my disputes straight to the CRAs over a year ago, but I suppose they wouldn't know that. I got them taken off two of my reports, but they hung onto the third one. This is a 7 year one because it was from a credit card, so at the end of this month it should be gone for good. I was just worried if they would try something illegal to keep the bad mark on my report. Either way, seems it should be taken care of now.

The part about violations was something that I found while looking at more than a dozen sample letters, many of them from similar sites to this, or specifically from sites for cleaning up credit reports. Anyhoo. It's already reported as disputed from when I sent my disputes straight to the CRAs over a year ago, but I suppose they wouldn't know that. I got them taken off two of my reports, but they hung onto the third one. This is a 7 year one because it was from a credit card, so at the end of this month it should be gone for good. I was just worried if they would try something illegal to keep the bad mark on my report. Either way, seems it should be taken care of now.

The part about violations was something that I found while looking at more than a dozen sample letters, many of them from similar sites to this, or specifically from sites for cleaning up credit reports. Anyhoo. It's already reported as disputed from when I sent my disputes straight to the CRAs over a year ago, but I suppose they wouldn't know that. I got them taken off two of my reports, but they hung onto the third one. This is a 7 year one because it was from a credit card, so at the end of this month it should be gone for good. I was just worried if they would try something illegal to keep the bad mark on my report. Either way, seems it should be taken care of now.

Ash, in the future leave this remark OUT OF YOUR LETTERS: ""Violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident."" When they read this, they laugh themselves silly. It is NOT $1000 per incident! What the FDCPA allows is statutory damages UP TO $1000 - that's per lawsuit, not incident. Also, FYI they are required to report to the CRAs that the debt is disputed per the FCRA. The reporting period for most consumer debts on consumer credit reports is GENERALLY 7 years. Certain types of debts can be reported LONGER, such as debts to the federal government and money judgments (there are other types as well.) The time for this credit line to come off you credit report is based on the DATE OF DELINQUENTCY or CHARGE OFF - NOT THE DATE THAT YOU DISPUTE IT. Bare this in mind if it doesn't come off credit reports as it should. You'll then need to write to the CRAs to have the credit line dropped from reports about you.

Yes my letter was sent certified mail with return receipt requested. I put the certified mail number on the letter I sent them and the one I kept for myself, too. I read about Bud Hibbs before, I'll see if I can contact to ask him about the letter.

Did you send your cease communications letter via certified mail with return receipt requested? Did you make copies and keep them on your person? The bad news is that in the State of Texas collection agencies must have a surety bond on file with the Secretary of State and they do indeed have two that are active I know this is a bottom feeder collection agency so please let us know if you sent this letter via certified mail I have dealt with these bottom feeders before and they cannot be sued if they have a surety bond on file with the State unless they violate Texas Collection laws I sat in a court room for FIVE days suing on of these bottom feeders and won - guess what! They have still to pay me and my attorney go to www.budhibbs.com he is located in Ft Worth and may answer your ???? Good luck From Dallas S

I just received a letter from these people. It says: "We are in receipt of your correspondence.... We have reviewed the information you provided, as well as our notes and the information provided by the original creditor. As a result of our investigation we hereby deny that the information being reported ... in inaccurate. However, we have reported your account as 'disputed'.... In accordance with your request to cease communication ... we will initiate no further contact with you ... unless requested to do so by you in writing." Beneath this it says "This is an attempt to collect a deby and any information obtained will be used for that purpose." Now I have two questions: will reporting the debt as "disputed" make them appear on my report? Since the SOL for reporting ends this month, will this somehow trigger them to return? I'm going to have to strangle someone if it does. Secondly, what's with the "this is an attempt to secure a debt"? Is this attached to all outgoing mail from them? Should I just file away the letter now and ignore it? Thanks.

Ash, Don't ever speak to those CRACKHEADS and LOSERS on the phone!! Stay off the phone!! Do everything in writing!! That crackhead you were speaking to was just being difficult as they are losers and cannot stand it when someone challenges them. There is NO REQUIREMENT to have a "reference #" to dispute a debt or to send a cease communications request. HOWEVER, be sure to send that letter by CERTIFIED MAIL, RETURN RECIEPT REQUESTED.....AND...be sure to put the certified # on the letter itself before mailing and make a copy of that letter with the certified # on it to prove exactly what you sent. THIS PROCEDURE IS VERY IMPORTANT!! You can also sue these lowlife for the FDCPA violations. Just get notorized statements from any witnesses like your parents, etc. It's an EASY $1000 plus expenses. Don't get mad, GET PAID!!

I didn't know how else to update this. I know that we should NOT call these people, but I wanted a reference number for my letter of Cease Communications. When I phoned, I said that they had phoned my parents about me, and that I had no knowledge of them or their company or what they claim that I owe them, but that I needed a reference number for my Cease Communications letter. The woman I spoke to was extremely rude as typical. I kept saying that I didn't owe them anything and that I wanted a reference number so that I could send a Cease Communication letter. She began to berate me and ask me if I wanted to settle for a discount, I said no as I did not owe them any money. I demanded that she give me a reference number, and when she refused, I demanded that she tell me the date of original default as the Texas Statute of Limitions is four years. She then tried to claim that the statute began when THEY bought the debt, not when the account when into default with the original creditor. I told her that neither the credit card named nor her company were on my credit report and that I did not know who they were, and that I was going to send a cease communications letter. She then says to me "You know what? Have a good day" and proceeded to hang up on me. Since I did at least get the date of original default, I can include that in my letter. My mother advised me not to attempt calling again for the reference number. I would also like to verify that my parents' phone number is in fact UNREGISTERED and thus they are pulling my credit report for information, and that is how they obtained my parents' unlisted phone number because I used it for a job application. I am about to go to the post office to send off my cease communications letter now.