Last week I opened a piece of mail from Asset Acceptance LLC, regarding a debt that they say I owed from 1999. I was shocked to say the least, especially after they said that it was for over $1700. I called Asset Acceptance immediately because the form letter said if you didn't then it was automatically accepting the debt and they would pursue it.

So I called and asked who this company was and what the debt was for. The young lady that answered then asked me my name and, if my SSN was (*****). I answered in the affirmative. She asked me if I lived in Grand Rapids in 1999 and I answered in the affirmative. But I had never even heard of this company that they said I owe. The lady on the other end said she'd send me out a form that I could file a fraudulent claim with then.

Ruth mentioned that she had checked her credit reports and that the claim had never shown up on them. I did the same thing myself and have never seen it on any of my credit reports ever, and I monitor mine regularly. When I read the report from Ruth in Alachua Florida, I was in shock, to say the least! Here's another poor soul that this company, Asset Acceptance, is trying to dupe out of money.

After looking into it myself online and doing some investigation, I have found that they were a long distance carrier, which have now merged with AT&T. But at that time, they were not affiliated. I also have discovered that in the state of Michigan, the time limit for collecting such debates is 6 years, which is now over that limit.

I am now in the process of sending everything I can find on them over to my lawyer to deal with it as well as to let as many people out there know what Asset Acceptance is doing with 'Old Debt', fictions or real. I suggest that everyone else do the same.

In the economic atmosphere that we live in today, when we find companies that claim money is owed...they better provide the proof.

Well, Ruth, and any others out there that have had this situation with Asset Acceptance or any others like them, my suggestion to you to to gather all the information you can on them and turn them over to your lawyers or at least the better business bureaus in your state and let them know what they are doing.

In 2005 I was a college student & had a telephone landline that was for local calls only. I had a cell phone for all other calls. A friend of my former roommate visited often when I was not there. This friend made several long distance calls on my landline to the tune of $285. When I got the bill I notified the local phone company to complain as I did not recognize any of the calls & the phone that had been used was in my bedroom and not available to anyone else but me.(or so I thought) The telephone company (AT&T) advised me that they would reverse the charges if I would agree to press charges against the person. I told them I would consider that action, but ordered the service disconnected. I confronted the person who made the calls & attempted to collect from her to no avail; so I contacted the phone co. 3 days later and agreed to press charges to get the calls removed. The rep deducted the long distance amounts & advised me of the amount I owed for the local service and I paid the bill. Three years later, I started getting letters from Asset Acceptance advising that I owed $285 from the original creditor AT&T. I have been disputing these charges on my credit report, but they keep showing up. Any suggestions what I should do? Should I attempt to contact the original creditor to find out why they sold this uncollectible when they had already agreed to remove & reverse the unauthorized charges from my bill ? Apparently AT&T did not do what they said they were going to do and ended up selling this acct to Asset as a 3rd party collection. Note: I never received any correspondence from AT&T advising that an addl amount was owed.
Help, anyone! I am trying to buy a house & I need to clear this up, but I don't feel I should have to pay this bill since I was assured I was not liable.

Please help!! My wages are being garnished but they are saying that they have contacted me but I can't remember. I tried making payment arrangements but was told only if I paid $745 but with what they are taking out of my check there is no way I can make that payment I asked if there was any other way they said call my payroll department to ask for an advance. Then they were basically to bad so sad.

I can't pay my rent and car note now.

I asked them if there was anyway I could pay on this account without having it go through my payroll and the legal department as AA said only if I pay it off.

I've had a 'past due amount' of $157 and paid $30 of it. It was a phone bill from 6 years ago. They've recently contacted me ON A DAILY BASIS about this 'problem' and continue to leave messages on my cell. It's not on my credit report, and SBC has told me that it has been closed. HELP!!!

Out of nowhere my husband was served with a Complaint from Asset Acceptance. They were suing him in a local court for a debt for which he had no knowledge. We relocated from PA 3 years ago to Nevada temporarily. We had never opened any credit cards or loans in the state of Nevada. I am assuming that this alleged debt was an old PA account. I checked the company (Asset Acceptance) online and found hundreds of complaints. These guys are real scumbags.

I answered the complaint (using forms found on the net) and filed them with the courthouse. I sent copies to the 'Attorneys' at the above address. The information included a formal 8 page document requesting verification of the debt before I would communicate further.

Now I just received another letter from the attorney's, stating that their client does not want to cause further 'hardship and expense' to either of us and they would like him to contact them so that there may be an amicable solution to the matter!!! What part of 'please verify the alleged debt' don't they understand? This last time in writing I told them that I would no longer communicate with them under the Fair Debt Collection Practices Act until they verify the debt.

The reason that I even started working with these clowns is that I had read on here that they can garnish my husbands salary. It may be legal to do that in Nevada but if this alleged debt was contracted in another state which does not allow wage garnishment, which state takes precedence?

These guys are nightmares preying on people through intimidation and the courts. Report them to all the agencies possible.