Asset Acceptance
Disputed Discover Debt Led to Lien Attempt on Our Home

I have been dealing with Asset Acceptance since 2004 and last week it finally ended in court. Initially, I ignored them for 2 years, but in my husband and I applied for a loan and I was forced to deal with them as they had reported it to Equifax. I spoke to a rep and a supervisor several times over a 2 week period and they insisted I owed a Discover card bill in the amount of 5118.00. I repeatedly asked for verification as I had not had a Discover card in 10 years and as far as I knew, it had been current. They refused to give me any information and said it was their word against mine and if I wanted my loan, I would have to pay them.

At the advice of the loan officer at my bank, I called Asset and requested a settlement letter so I could discuss it with my husband and make a decision whether to go forward with the loan and the rep said he could provide me with a letter for 20.00 which he could only accept a check for and not my credit card. 2 days later, I received the letter but somehow Asset had reported the 20.00 as a payment thus re aging my debt. I went forward with my loan and received a check payable to Asset which I immediately returned to the loan officer at my bank. There was no way asset would receive this check and I would rather the money be thrown away rather than pay a bill that was not mine. I later disputed Asset's claim on my Equifax credit report and it was removed due to it being unverifiable.

To make a long story short, an attorney contacted me last October and this December 07, I received a summons saying Asset was placing a lien on my home. I filed for a hearing right away and received one in January 23, which when I presented all my documentation and testimony, the judge threw out their case to attach. The attorney for proof of my debt had my 20.00 check and what looked like a credit application filled out by me with the date 10/30 and no year and no company name for what exactly I was filling out the application for. I would like to file suit and have plenty of proof, just don't know where to start.

As a footnote, I have had cancer twice in this period of harassment from them. I do not need the added stress of having to defend myself from these thieves.

Company: Asset Acceptance
Country: USA
State: Michigan
City: Warren
Address: 28405 Van Dyke
Phone: 8007814401

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