Complaint / Review
Asset Acceptance - Allied Interstate
RIPOFF Trying to collect on a 14 Year old debt, Credit already affected for 7 years

This is my first time doing a report like this so please bear with me. I wanted to get some feedback on an old debt that Asset Acceptance LLC and/or Allied Interstate is writing/calling me about.

First off, let me give ya'll some feedback on my situation. I made some credit mistakes when I was young (really, but I do regret them). These bad debts were from the early 90's and the result gave me bad credit until 5 years ago. Since then I have strived to be honest and timely when paying debts. My credit score is well into the 700's now, which is the reason I am writing this report.

I recently received 2 letters in the mail from Asset Acceptance LLC saying that they have purchased my debt from a collection agency and that I owe them money. My initial response to them was in writing letting them know one of the debts could be correct but I had serious doubt that the debt was within my state's statute of limitations (Georgia which is 7 years).

I sent responses via mail but did not certify the letter. After reading several reports on this site I have decided to resend the response desiring validation of the debt via certified letter so they cannot say that I have not responded within 30 days.

This very evening I received an automated call from Allied Interstate wanting me to call. I did not call the number, but instead looked up the company on the internet and found this site. Boy, Im glad I did.

By sending a "now certified" letter for both debt collections requesting validation and pointing out that any debt I may have is well beyond the SOL, will this stop Asset Acceptance from trying to collect from me? Will I now start receiving harrassing calls from Allied Interstate?

I do feel bad about part of the debt, because I did not pay it. The other was a bogus debt that a health club says I owe them even after I sent them a cancellation letter since my duty station wasnt close to any local branch (US Navy). I feel certain if I pay anything that I will only be hurting my credit once again. This I cannot afford and it just doesnt seem fair that my credit could be adversly affected twice for the same debt at 7 years a POP!

I would welcome any response, advice, or rebuke. Thank you for your time:)

Have a blessed day!