I have been attempting to fix my credit going on 6 months now. I was well on my way, and had just settled out my first account of aging debt, and was prepared and had the means to settle out all of it. Then about a month ago, I noticed that some of my creditors, were not responding to my settlement letters. Then next thing I know, I get a credit alert on my credit monitoring system. "ASSET ACCEPTANCE, LLC" with a debt listed at $9,216. I had been checking my credit several times a month since october and this number was not on any of my credit reports.
So i looked them up and called them, and was promptly harrassed and bullied by these soulless women. I actually called 3 seperate times and got 3 seperate stories, even talking to a supposed supervisor, who I took the liberty to call a "lifeless, soulless being, ". The gist of it all being, that they had bought a debt, from a company who had bought a debt from fleet bank, which was a card i was sent at age 20, with a $4,000 pre-approved stamp on it. Well my last payment on this card was sometime in 2003. And the last it was reported on my credit in March of it said that I owed $5217. Now they are claiming that in 2 months the total has surpassed $9,000.
To make matters worse, they tell me, that they have another one of my accounts as well. One that had actually been taken off of my report in October for around 1500 bucks, gaining interest everyday as well. So in the mail 2 days from then, I receive a letter from them stating "It is our pleasure to welcome you as a new customer of ASSET ACCEPTANCE LLC..." Then that very next day, I see that they have placed a "hard" inquiry on my credit report, I am thinking, so they can find something else to buy out and screw me with.
So I send out a cease and desist letter stating my rights under the fair debt act, and disputing the debt and demanding that they show me the check stub showing the price they paid for my debt. Not that I think they will produce it, but I was using that question on the phone, and it seemed to really piss them off. So I overnight this letter to them on Mon. The 21st, certified with return receipt, and just today the 22nd, I see that they have, possibly right after opening my letter, placed ANOTHER collection on my file with a complety new total of $9,450, up like 200 bucks from the one they put on it friday. So then today I check my credit score and it has plunged nearly 100 points BELOW 500!!!
My question is how in the HELL do I become human again and get these vultures off of my back? Can I contact the original creditor FLEET, and work a deal with them, or is it too far gone for that? I have the money to settle out, but I refuse to give them anything, I couldnt sleep at night knowing that I helped this scum survive. And is it possible that they will buy out all my accounts and screw me for life? WHAT DO I DO, besides take a sniper rifle, fly to michigan, and start making the world a better place like the BOONE DOCK SAINTS (joking).
Thanks for any help, charles
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