Asset Acceptance Corp.

Cases Against Asset Acceptance Corp.

Etapa v. Asset Acceptance Corp., 373 F. Supp. 2d 687 (E.D.Ky. 2004).

Collection agency made false and misleading statements to consumer. The collection agency’s attorneys were not held responsible for these FDCPA violations.

Zamos v. Asset Acceptance, L.L.C., 423 F. Supp. 2d 777 (N.D. Ohio 2006).

When a debt collector provides inaccurate information to the credit reporting agencies, it is a violation of the FDCPA, but it is not a direct violation of the FCRA.

Hartman v. Asset Acceptance Corp., 2004 U.S. Dist. LEXIS 24845 (S.D. Ohio Sept. 29, 2004).

Debt collector violated the FDPCA by making false statements in an affidavit filed in state court.

Wright v. Asset Acceptance Corp., 1999 U.S. Dist. LEXIS 20675 (S.D. Ohio Dec. 30, 1999).

Debt collector’s notice to consumer threatened a law suit based on the fact that consumer was employed full-time and failed to notify the collection agency. This is important because an unemployed consumer would not have viewed the letter as threatening suit but a consumer who was employed full time would interpret the letter as threatening suit.

King v. Asset Acceptance, L.L.C., F. Supp. 2d , 2006 WL 2714734 (N.D. Ga. Sept. 19, 2006).

Debt collector did not violate the FDCPA by reporting a fraudulent debt to the credit reporting agencies. The consumer did not dispute the debt as fraudulent until after it was reported to the bureaus.

Bull v. Asset Acceptance, L.L.C., 444 F. Supp. 2d 946 (N.D.Ind. Aug. 15, 2006).

Consumer disputed the amount of money the debt collector was charging in attorney’s fees. The debt collector did not violate the FDCPA by charging a very high cost for attorney’s fees. Consumer agreed to pay attorney fees if they defaulted on the debt.

Vickey v. Asset Acceptance, L.L.C., 2004 WL 1510026, U.S. Dist. LEXIS 12426 (N.D. Ill. July 2, 2002).

The debt collector did not violate the FDPCA by charging a greater interest rate than the original creditor.

People from PARC have been harassing me on the phone. They have some sort of bill from BMHS in San Antonio that they are trying to collect. They will not give me details, but continue to call me daily. I have written to them, e:mailed them, and talked to them. I sent a check as a payment and asked them to tell me what the balance is. I hear nothing but get computer generated harassing phone calls.

jhs

#1 - Jim Salling - 11/22/2008 - 21:45

SPAM calls

Received phone call, no one on the line, left no message. When I tried to return the call, I received a recording, asking me to hold for a representative. After about 30 seconds, I was disconnected. Have no relationship with this business.

#2 - garrynyc - 12/03/2008 - 21:08

Have been receiving harrassing phone calls for months regarding a family member who does not reside in my home. When I tried to return call, ask to wait for rep and then never get them or an automated voice wants information entered.Tired of this..doesn't happen daily any longer but about ready to turn these people over the the State No call list and let them deal with them. The family member is not going to pay for something they returned to the company.

#3 - KLK - 02/05/2009 - 14:43

Mr.

Have received three phone calls from this company. Never received any mail from them detailing reason for their calls or collection which is according to FDCPA. This letter is called a "Dunning Letter", which I never received detailing the original creditor and supposed amt owed. Then the calls started. I answered the phone and no one was there. Kind of spooky. Then I called the number from caller ID. It was automated answer, then disconnected. I see this as true harrassment and have filed a complaint with the Attorney Generals office from my state as well as the State of Michigan, where Asset Acceptance Corp is located. I sent them a cease and desist letter as well. This type of behavior has to stop.

#4 - Michael Gaffney - 03/18/2009 - 09:38

harrassed citizen

Asset acceptence has been phoning me every week . Concerning a debt, with a phone company from 1998. This bill was disputed from the very beginning. I had long distance blocker on my phone. Calls were made in one day, by a 10 year old. phone company said they cant control the fact that a child used operator assisted calls. I disputed that bill. the very next month I had my normal bills, now asset acceptance is calling me harrassing me saying I owe them 500.00 dollars ?

#5 - Shirley Fergyson - 04/25/2009 - 07:48

Asset Acceptance corp purchased a debt from a phone company in 2005. I disputed this debt with said phone company because the account was opened in my name without my knowledge at an address at which I have never resided. Asset Acceptance reported the account to the credit bureau as opened in 2005. It will now remain on my credit report until 2011. The original account was closed for non-payment in 2000 or 2001. I have tried disputing this with the credit bureau with absolutely no luck. They are simply taking what AAC says as truth without checking with the original creditor.

#6 - Beth Gorum - 05/18/2009 - 22:09

we have been harassed by asset acceptance for years. taken to court,sceduled for jury trial. judge throws out case for failure to validate. but the harassing calls keep comming, filing lawsuit for harassemnt and urge others to do the same, if you can't validate in court there has to be a a way to stop the harassment.

#7 - george - 10/10/2009 - 12:26

What Now!

I have been disabled since 2000 and have not owned a credit card account since. How is it now there is a sudden debt from a bank I've never heard of and I'm apparently guilty, harassed and threatened with no recourse. It's like extortion and it should be illegal!

#8 - Karleen - 01/06/2010 - 21:59

I have been to an attorney, more than once, the # we got belonged to a mental patient and they owe for medical care, now i am being harassed for this persons bills? This was supose to be taken care of. now after 3 months, the calls just started again today! This is crap. My husband works hard,and we pay our bills, even though he is sick with Gulf War Illness. WE dont need this stress.

#9 - Kare - 04/15/2010 - 08:00

harrashment calling 7 days a week

this company is calling daily 7 days a week morning afternoon nights.i mad e a aggrement with them 25 a month since 2007 and its not good enough yelling at me and swearing at me and took my payment that was ordered and out it to another caccount with the same case number from 2007.went to dr for terrible stomach cramps and am ill

#10 - ronnie - 04/28/2010 - 16:50

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