Asset Acceptance
Debt validation letters ignored, collector violates FDCPA

This company purchases "old" debt for pennies on the dollar. They violate the Fair Debt Collection Practices Act, 14 USC 1962g Sec. 809 (b) constantly. Which means, if you are contacted by this company and request in writing that they "validate" the debt by giving you the following information:

1) Identify the original debtors name, address, phone number and original debt account number.
2) What the money they say you owe is for.
3) Copies of any papers that show you agreed to pay what they say you owe.
4) Prove the Statute of Limitations has not expired on the account.
5) Provide proof that AA LLC is licensed to collect in your state.
6) Provide you with AA LLC's license numbers and the Registered Agent's name and legal mailing address.

You will find that Asset Acceptance will not respond with anything other than another letter stating what they intend to do if you don't pay the amount they are saying you owe.

Attn: Deb Everly
Asset Acceptance LLC
28405 VanDyke Ave
Warren, MI 48093

I sent the above named person a Certified, return receipt letter, which was signed by S. Celemnts on 11-25-05, after calling this company and requesting numerous times that they "Validate" their claim. Research and get a non 800 # so your phone records will show you called them. They have their 800 number for a reason, you will find it very difficult to prove you've called them and they can deny it... Sad thing is, how are you going to get their phone records to "prove" you've called? You can't.

Keep in mind, VALIDATE and VERIFICATION are two different words and this company will use the word Verification over Validate because they know that legally, these words have two totally separate definitions.

Black's Law Dictionary
Valid, adj. 1. Legally sufficient; binding

Company: Asset Acceptance
Country: USA
State: Michigan
City: Warren
Address: 28405 VanDyke Ave
Phone: 5839399600

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