Received a summons at home last night from Love, Beal & Nixon. When the woman gave me the papers she said "A court date hasn't been set yet, so just call the number in the bottom left hand corner". You can guess who's number it is.
After researching Love, Beal & Nixon and their client, Asset Acceptance LLC online; I've decided to not call but to reply by registered mail to the Court and Love, Beal, Nixon as stated in the summons.
The amount is for over $6,000 with over $1,400 in interest and over $900 in attorney's fees.
I do not know who Asset Acceptance is and have never signed any kind of contract with them. I am going to take the advice of someone else on this site and ask them to produce proof of a contract with them; proof that they actually own the debt and have a right to collect and to see a cancelled check or contract that shows how much they paid for it (if it is actually an old debt).
I have also been advised to state in my letter that "This is not an admission of guilt on my part". I am going to ask the court to dismiss this case.
Anyone think I have a chance... Or shall I continue to stress out over this? I'm at my wit's end!
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