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

Ratings for CreditReportProblems.com
  1. Jim Salling says:

    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

  2. garrynyc says:

    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.

  3. KLK says:

    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.

  4. Michael Gaffney says:

    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.

  5. Shirley Fergyson says:

    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 ?

  6. Beth Gorum says:

    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.

  7. george says:

    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.

  8. Karleen says:

    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!

  9. Kare says:

    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.

  10. ronnie says:

    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

  11. Care Credit says:

    Representative called hospital my husband is at and lied, stating he was a relative of my husband. Apparently, the rep didn’t believe me when I said that his condition isn’t good. Also, I contacted Care Credit, and they do not use this “debt collector”. Asset has chosen not to respond to our request for documentation showing me where this debt came from. And, yes, I have filed complaints with the appropriate parties.

  12. William Burgeis says:

    I have asset acceptance cor listed on my credit report and i want to know why its there and what its doing on my credit report.

  13. Conner says:

    Back when I got my phone from my parents I always got phone calls from all sorts of different people I didn’t know looking for someone called “Tia Bowers.” After constantly telling them “Tia no longer has this number” for three months, most of the calls stopped. Except from this company’s number (586-834-1144 – did a google search, and apparently, I’m not the only victim). They also were looking for Tia Bowers. After telling them TIME and TIME again for a year that Tia no longer had the number, they eventually slowed their calls. Then they started up again. They were no longer looking for Tia, and were instead directly harassing me. I tried to explain that I’m too young to even be in debt (I only knew it was a debt company because of the annoying automated messages they’d call me with 9 out of 10 times), and even gave my age out, which is pretty risky in the first place. I was pretty desperate to get them off of my back. They made it obvious that they didn’t believe me. I wouldn’t be surprised either; they can’t see me over a phone, and I’ve been told time and time again how my voice sounds like a fully grown man’s. They continue to harass me about a debt I don’t even have, and a debt I CAN’T have to begin with! First, they’re harassing card holders all over the country… now they’re harassing minors. This has gone over the line.

  14. Ogden Fell says:

    Received letter from Attorney Howard Lee Schiff in December 2008 concerning a debt turned over to Asset Acceptance. I replied to Attorney Schiff that I was in receipt of their notice, but irrespective of their claims, I disputed the debt, its claims and any charges or credits or its origins.
    I just received a Small claims Summons today, May 2011, for this same claim. I still have received no basis for the legitimacy of this claim. I now have to take the time to go to court to defend myself against these unsubstantiated charges. I am considering countersuing for damages.

  15. M. Robinson says:

    On January 19, 2012 I was contacted by Asset Assistance about two (2) accounts that I reported on a list of accounts when I had my ID stolen in 2007. I also reoprted this ID Theft to the three Credit Reporting Firms. Now I am being harassed by Asset Acceptance.Doesn’t the Credit Reporting Firms pass on the ID Theft reports?
    I have been fighting this harassment for more than five years now. So, as of today, I am reporting this to the Virginia States Attorney General, the FTC and the FCC.

  16. Mia says:

    I paid a debt (which was very old) to AA last summer, yet it is STILL on my credit report! There is also another AA on my credit report for another very old account. AA has lied and said that the account was opened in 2009 when it was actually 2002. It’s 10 years old and shouldn’t even BE on my credit report. They need to be stopped.

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