Asset Acceptance Corp.

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Asset Acceptance Corp. is a subsidiary of Encore Capital Group. They are a collection agency for credit cards, finance companies, retailers, utilities, and more. You may have been contacted by Asset Acceptance Corp. in an attempt to collect a debt. When collecting a debt, Asset Acceptance must adhere to the laws under the Fair Debt Collection Practices Act (FDCPA).

Sometimes, while attempting to collect a debt collection agencies may violate the the laws by making threats, or making false statements to you about the debt owed and the consequences of not paying said debt. In some cases the debt does not even belong to the person they are contacting. You do have the right to dispute debt that is not yours.

If you have been contacted by Asset Acceptance for a debt that is false, you must dispute it right away. You have 30 days to dispute the debt in writing. They must provide you with the name of the creditor and the amount you owe, and how to dispute the debt if it is false.

Stop Harassment from Asset Acceptance Corp.

Even if you owe the debt that Asset Acceptance Corp. is trying to collect, you still have rights. Asset Acceptance is not allowed to harass you in order to collect on a debt. They must follow the FDCPA.
Asset Acceptance LLC must NOT call you before 8am or after 9pm. They must NOT call your employer or your family in order to collect a debt.

If you are continually harassed by Asset Acceptance LLC you may be entitled to damages. 

Hire Francis & Mailman

When you are being harassed by a debt collector like Asset Acceptance Corp. it is time to take legal action and hire the consumer law firm of Francis & Mailman.

Fill out our contact form or Call us at 877-735-8600 for a free consultation with experienced attorneys.

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.

Asset Acceptance Corp. Contact Information

Address 28405 Van Dyke Avenue
City Warren
State Michigan
Zip Code 48092
Phone 1 800-545-9931
Fax 586-446-7837
Address 2840 S. Falkenburg Road
City Riverview
State Florida
Zip Code 33569
Branch offices in Baltimore, San Antonio, Cleveland & Brandon, FL
Website http://www.assetacceptance.com

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