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Asset Acceptance Again.

 
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Michael545851962
Guest
PostPosted: Thu Jan 27, 2005 11:35 pm    Post subject: Asset Acceptance Again. Reply with quote
Asset Acceptance representatives continue to call my home, on a regular basis even though I have informed them I will not pay until an itemized list of charges and fees regarding my debt has been sent to me.
They insist that they do not have to provide such information.
Is this true?
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Denny
Site Admin


Joined: 19 Oct 2004
Posts: 122
PostPosted: Fri Jan 28, 2005 5:45 pm    Post subject: you have the right Reply with quote
Hi Michael,

Welcome to the forums

FDCPA provides you the right to question and check the validity of your loan. We have covered almost everything at http://www.debtconsolidationcare.com/validation.html .

Thanks
Denny
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Jason
Customer Care Dept


Joined: 29 Oct 2004
Posts: 92
PostPosted: Sat Jan 29, 2005 8:44 am    Post subject: RE: Reply with quote
Hi Michael,

Welcome to the debt consolidation care forum.

According to the FDCPA, it is a must for the debt collectors to provide you with a debt validation certificate. It is a compulsion before starting to collect any amount of debts.

They need to prove that they own the debt now, provide you with your complete payment history starting from your original creditor and also give you the document of the original signed loan agreement between you and the original creditor. If they violate the law you can sue the collection agency for $1,000 based on their action.

Hope you participate more frequently in our forum and share your experiences with other members.

Regards,
Jason
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I'mAlwaysRight
Guest
PostPosted: Sun Feb 13, 2005 5:16 pm    Post subject: Reply Reply with quote
Michael,

Had you paid the debt with the original creditor, Asset Acceptance would not be contacting you. It sounds like you disputed the debt and Asset provided you what was required "by law". Providing you with a list of charges and fees is something that you should have gotten from the original creditor, but when their people were trying to contact you, you probably weren't answering the phone because you don't pay your bills.

Simple fix to this. Stop running, stop complaining, and pay your bills.

I'mAlwaysRight
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simon
Customer Care Dept


Joined: 11 Dec 2004
Posts: 107
PostPosted: Mon Feb 14, 2005 8:58 pm    Post subject: Re: Reply Reply with quote
Hi I'm always right,

Welcome to debt consolidation care forum and thanks for the visit. Michael certainly would have paid up if he could then and like thousands of American was burdened with debts. We hope he has learnt a lot; perhaps he has a whole lot wiser and a perfect planner.

Get in touch with more postings.

With Regards,
Simon
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