Asset Acceptance
Reviews and Complaints

I would like to get with other victims of Asset Acceptance Asset and sue them!

Here is my story: it is 2010 and Asset Acceptance LLC has just stolen $5000 from my bank account. They claim it is from an old $900. visa from 1995. They severed someone with my last name in an other state. That person discarded the summons and Asset Acceptance automatically got a default judgment against me. They then used a Domestic Interstate Transference to transfer the judgment to the state of my residence and take the money plus 15years worth of interest from my account. They are cowards and crooks and they purposely sneak cases through courts without giving you the chance to fight it. Asset Acceptance knows that the only way to win is by default. You often need a lawyer to fight them which is so costly that most people just "give in to them".

I have learned that they constantly troll these blogs because they DO NOT want us to know about each other and they especially do not want us talking to one another. If you see any comments that support their tactics I can guarantee you it is just one of there "employee ### plants"

Organizing together is the key (just "Google" their name and you can see that they MUST be stopped)

I have no legal expertise I am just a another victim who is determined to stop them...I have created an email address just for this fight so feel free to write me at standup2scum@aol.com

Victims and Lawyers interested in representing a Class Action case against Asset Acceptance are always welcome to email me.
Sincerely Victim X.

I have received phone calls and also received letters from them stating that I have a debt from a store and that they are simply collecting that debt. When I have asked them to disclose the name of the store they refuse to do so.

They have also stated perhaps I have been a victim of a identity theft.

Yet when I have ask them to take me to court for this debt they just simply end the phone call. Later a month or two I receive a letter in which they in for me that I should settle this debt by simply making payments. I strongly believe that this is a fraud. WATCH OUT!

I would like to get with other victims of Asset Acceptance Asset and sue them!

Here is my story: it is 2010 and Asset Acceptance LLC has just stolen $5000 from my bank account. They claim it is from an old $900. visa from 1995. They severed someone with my last name in an other state. That person discarded the summons and Asset Acceptance automatically got a default judgment against me. They then used a Domestic Interstate Transference to transfer the judgment to the state of my residence and take the money plus 15years worth of interest from my account. They are cowards and crooks and they purposely sneak cases through courts without giving you the chance to fight it. Asset Acceptance knows that the only way to win is by default. You often need a lawyer to fight them which is so costly that most people just "give in to them".

I have learned that they constantly troll these blogs because they DO NOT want us to know about each other and they especially do not want us talking to one another. If you see any comments that support their tactics I can guarantee you it is just one of there "employee ### plants"

Organizing together is the key (just "Google" their name and you can see that they MUST be stopped)

I have no legal expertise I am just a another victim who is determined to stop them...I have created an email address just for this fight so feel free to write me at standup2scum@aol.com

Victims and Lawyers interested in representing a Class Action case against Asset Acceptance are always welcome to email me.
Sincerely Victim X.

Asset Acceptance has took my old debt and suing me to the court.
These sections were very helpful to the people and then I had sent
the complaint to FTC, BBB and Attorney General Office in Michigan
on 01/09/2012

I agree with the commenter on this one. I could sure use all the help I can get on this one as well. I owe money to them too and that is from 13 years ago. Can they do that? Please help!

Wow. How did they serve you? I think in GA they have to serve you papers. I've had a credit card company try to sue me. they sent a sherriff to serve me. I responded to the inquiry and never heard back from them. My friend on the other hand, claimed he never got the papers. they got a default judgment against him and were garnishing about $800 a month from his check!

I've the same thing that is happening to me. please help.

To responsibleamerican...you are an idiot. Nobody stole anything from anyone. You make assumptions as to what the situations are of the people who have had these encounters with Asset Acceptance. They purchase accounts that have even been in many cases for a few hundred dollars in arrears. After all of the late fees and multiple other fees have been applied these debtors wind up owing upwards of $4, 000.00 to $5, 000.00 when in fact the original balance on an acount was maybe $200.00. I had this occur to me. In fact, the acount HAD been paid in full, the credit card company had agreed to remove the late fees but never followed through. So basically, you are paying interest and late fees on interest and late fees. There is something horribly wrong with that. Then the credit card company just eventually writes off the account because it knows that those fees will never be collected. Then here comes Asset Acceptance who purchase groups of these type acounts and they add tons of additional fees to them after the accounts have been dormant for upwards of 6-7 years. They(asset Acceptance) then sneaks in like a slimy snake and sends you a letter demanding some outragous balance with no complete information as to whom they are collecting this money for. So you, as the "bad person who owes money" to this huge corporation has no way of figuring out what this demand of money is for. Good Luck...they will not provide that information, but they will sue you fasyer than you can blink an eye. Then they will try to make a deal with you outside the courtroom, then if you make a deal to send them money every month they will harrass you 2-3 times a month by phone and send you multiple letters. Meanwhile you are sending your payments to the office they told you to send them to. However the calls are coming from a completely different office who has no idea about the actual amount you should be paying each month. Then if you miss a month you will be harrassed like you have just murdered someone. But it doesn't end there. If you owe them about $500.00 after paying almost $4000.00, then lose the paperwork with all the necessary information after having a death of an immediate family member, then you move to another state, and you are in such grief from the loss of your loved one that it's the farthes thing from your mind, they WILL FIND YOU. And when they do, they will begin the process all over again and you will start at square one...you now owe them, once again $4500.00 + all the court fees, etc. etc. Then they file to garnish your wages. How this works is that I personally bring home about $600.00 ever two weeks(or $300.00 p/week). That's not a lot of money. That garnishment that was placed on me for 1-1/2 years cost my salary/take home pay from $600.00 bi-weekly to $300.00 bi-weekly. Now you tell me if that is fair!

This was all after they had already received $4, 000.00 to begin with. I had only owed about $400.-- or $500.00. Basically, I paid them about $9, 000.00 + for what was originally about a $400.00 debt that was over 7 years old. But I was not psychologically in a situation to fight them because I was so emotionally distraught by the death of my dear mother.

Asset Acceptance took me for a $9, 000.00+ ride. They still have not sent me a release which I did request months ago. I assume I will never see anything of the sort from them.

But today I received yet another NEW letter from them. Now they say I owe another $500.00. No information as to who this person/companmy is that I owe this monry to. But I'm sure it is yet another very very old bill that was probably less than $100.00 and is more than 7 years old. I know that when I call for additional documentation I will never receive it. And I know that my credit bureau record will also show fraudulent information with regard to "activity" being within the past 2 years, which is also untrue. Any monies that I did I were very small, due to an illness, and had all be "written off" and the acount closed. That was back in [protected], well it's 2011 so how in the heck do they get away with these lies.

And to the Asset Acceptance people/employees I say how do you sleep at night when you know that the majority of people you are dealing with are people who have experienced a financial trauma in their lives, or illness which caused the inability to repay the monies. I do hope that you reap what you are sowing. It's call KARMA! There isn't a peson on this earth who is immune from some sort of financial problem in their lifetime. So remember that when you call and harrass people. You could be the recipient of your horrible hateful calls some day in the future.

Every one of you losers need to stand up and take responsibility for the money/goods you stole from the rest of America and the government. Quit spending money you don't have on junk that you probably don't have anymore. I am sick and tired of the losers that try to blame someone else for attempting to collect money "credited" and never repayed. This country is crippled by useless unresponsible jerks like you that continue to think someone owes you something, when in fact it is YOU that owes the debt.

I sometimes wonder how people tolerate such calls. Few days back I got a call from this number [protected]. The call irritated me. I've found a forum thread at debtconsolidation care community on this company. Is anybody promoting them there?

here is the link:
www.debtconsolidationcare.com/collection-agencies/assetacceptancellc.html

I received something similar. How is it that these scammers can exist?

I am in a similar situation.. and would ask for any advice.

Asset Acceptance apparently sued me in Florida on something outside SOL.

The problem is that i lived in Kentucky when they went to court and was never provided with a summons or anything.

any suggestions on how to fight this. Of course you only find these things out at inopportune times, and I need this to go away immediately.

In order to keep this company from making harassing phone calls...sign up for $10 a month to MyFax.com. I do not represent MyFax.com in any way, its just a convenient fax system through your computer, which allows you to send 100 faxes per month for $10 bucks.

Research as many fax numbers as you assigned to the offending company and send them a fax all at one time such as:

To whom it may concern:

Do not call this number: xxx-xxx-xxxx...

You do not have permission to call this number at any time, by the owner of this phone number.

Continued violations of this letter will result in a complaint made to the FTC, the local BBB, and legal action will be taken
in which all further phone calls will be liable to a fine of $5000 per phone call levied against your company.

Fax numbers can be found by Googling the company's name and adding Fax (Asset Recovery Fax), and it is most certain a number
of Fax numbers will show up. You can also call the offending company without disclosing your name and asking for their corporate fax number.

Re: Asset Recovery, the number of fax phone numbers I found are:
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]

In the letter, tell the offending company, that any further correspondence to the owner of this number (unnamed) should be directed in writing to: (Give bogus address if you want).

I also suggest that you scan in a bogus signature, or the signature of your attorney, and attach it to the letter by copying and pasting to the new document... as some of these disgusting companies will not stop calling you without a "signed letter." Fine! Not a problem.

My best to everyone...
Judy Weismonger Esq.

Asset Acceptance garnished funds from my personal checking account three weeks ago without notifying me that they were doing such; I learned of the garnishment when my card was rejected at a POS and I called my bank. The entirety of the funds contained within the account were federal student loan funds, refunded to me for living expenses after paying for my medical school tuition. Because these funds are not wages, compensation, and compose the whole of my living expenses, I filed a challenge to the garnishment which the judge ruled was accurate and my funds as exempt. The funds were taken from the account before the judge's order to sustain the challenge however. I am still waiting on Asset Acceptance to return my money, and calls to them have resulted in referral to the attorneys who handled the case. They say they have no control over the account anymore, and will not even admit to receiving the funds that were garnished. Likewise, the firm that represents AA - Javitch, Block, and Rathbone - claim they have received no order and will not rescind.

Both parties treat me like a ###, and refuse to talk. They beat around the bush, they leave me on hold until the call is dropped, or pretend that I am asking questions they can't answer. Asset Acceptance is especially inane. Just today a representative refused to answer any question I asked, and hung up on me. I never instigate or provoke these parties when we speak.

I currently am living off whatever free food I can find, because in my opinion, Asset Acceptance has stolen money from me. Debt or no debt, this is fair, unusual, and cruel.

I was getting daily calls from Asset Acceptance but never a message for a few months. Today I answered and the fellow asked if I was Ann O; I figured he couldn't pronounce it and said yes. He asked if it was O'Brian, I said, "Sure." (It isn't) He said there was an old debt on a credit card, I said I never had that card, he asked for the last 4 digits of my social, I said you think you're talking to an Ann O'Brian? He said all he had was the first letter of my last name so I said I am not giving you any of my SS#. I agree with Little Johnny.

My problem with AALLC and others is that their use of grammer/spelling is awful. You're is not Your...omg. I do not agree with scumming bottomfeeder debt collectors who lie, cheat and steal. They should be locked up with all of their employees in a South American Prison for life, and that for the first time offence. The robo-calling should no longer be in existence...yet here we are in 2013 and only the worst of worst companies employ them. If you do get to talk to a real person, be civil, speak plain and slow so they understand you, only give them information you want a thief to know about you, then tell them to take your number off all their call lists and to never contact you again. Unfortunately, debt happens, even to the best of us. We don't intentionally try to get out of our debt, we try every way possible to take care of it before it becomes so unruly there is nothing we can do but walk away from it. Just another note about third party debt...Check all your bill statements, this unscrupulous debt collectors will put charges on other bills as a third party, and you wont even know it if you are not paying attention. Thieves are cunning, they make their living on those of us honest, hardworking, trusting people who believe we live in the good old USA...its not the good OLD USA, its just the USA now. Watch out for yourself in every little detail, because you can bet that AALLC and others like them are patrolling the lowest levels of debt ponds (oldest, oddest, even slightly off) just trying to get some kind of payment out of you. If AALLC was a legitimate debt collector, they would 1. Clearly state the original debt, to whom it was owed, the amount owed, the original date of the debt, 2. Offer you a clear and concise offer with what they are willing to do for you in accordance to which laws, 3. Tell you when they purchased the debt or how and when they acquired the debt that they believe you owe, 4. Finally, they should ask you or offer you a way to clear the debt (if indeed they have a right to do so). Me, I say: DO NOT pay the collector...Make arrangements with your original debtor, that is your best bet. Make sure you post your clearance letter with all of the reporting Credit Bureau's and check them. Again, NEVER NEVER NEVER give any information out to someone on the phone or by mail that you would not give to a THIEF! If they dont give you the same information about themselves, you cannot trust them.

I received a letter saying that they would settle my debt with Capitol One if I sent them a check for 290.00 made out to Asset Acceptance. I have my share of debt but knew I had no outstanding debt with this company. I called them and they asked for the last 4 of my ssn and I hesitated to even give them that but finally did and they said, " Oh, wrong person".. I said that this must be a scam. If I had not been alert and noticed that I had no debt with this co., what would they have done with my check. Kept it I guess! In my opinion this company is some sort of scam.

To the so called employee of Asset Acceptance, you need to recheck your information on your comment that Asset Acceptance has an A+ rating at the Better Business Bureau !

YOUR INCORRECT !
it does not have an A+ rating

The IRS is NOT affiliated with AA. AA sent the 1099C form.

I just got a letter stating that I owe X amount of money to this ASSET Acceptance LLC for a credit card that I have never had. Don't tell me to take responsibilty for something that is not mine. Plain and simple this company obviously is doing some kind of illegal activity seeing how the stories from the majority of the people are just about the same. The IRS is somehow affiliated with this company because 1 week after I got this so called collection I have a 1099-c cancellation of debt form to submit to the IRS...why? you ask...because I don't have a job where they can just up and garnish the wages from ...THE TRUTH IS...We are all screwed! FIghting the IRS and someone that is affiliated with them...and you guys wonder where they get their info from..phone numbers, where you live, ss numbers, etc...ITS OBVIOUS!

asset acceptance has put a judgement on me and keeps trying to take my tax returns. I don't even know for what debt and had never been contacted by them except to deliver the judgement. what do I do?

Asset Acceptance is sending me collection letters on an account that Arrow tried to litigate against me and lost! I received a dismissal and take away nothing judgment. How can they do that?

I would be happy to contribute to any class action lawsuit against asset acceptance llc

My previous lawyer passed my account to Asset and I have called several phone numbers and wrote notarized letters wanting to pay my debt and this does not affect me in the future and the Michigan website says that the office is closed and the phones do not answer it.

If this is really happening, Made up stories and unnatuarlly high interest? A CLASS ACTION LAWSUIT IS MORE THAN NEEDED ASAP! MOST people would be glad to pay the bills, if they could and the payments were very low if times are hard for them. Forcing people into bankruptcy is beyond normal. Bankrupt the country? I have always disagreed with the fact that credit card companies can charge late charges and high interest. It should not be allowed.

I have read everything to Mandelich, and I have to say that as an unemployed single mom who contacted this company today after they had called and left several messages over an old target account I had, that I did owe on, (they called during regular and appropriate hours), that they were very nice to me on the phone and that when I set up a payment arrangement, I was then advised that a supervisor was going to get on the phone to verify everything. The supervisor and collector were both very nice, decent and respectful to me.

After I got off the phone, I went to check my mail. I checked the mail and found a settlement offer, which tickled me pink! Not only was it affordable, but I acknowledgeed that I did owe the debt, and the settlement offer was for over much less than the original amount I owed with interest. I called them back and they were more than happy to give me the settlement offer, and set up weekly payments to ensure it was paid by the end of this month.

My debt was over 500.00 and my settlement offer was for 160.00, and although the original amount is not huge as others, but I can say that the staff was very thoughtful, kind and respectful to me, and willing to work with me any way they could. I then went to my credit report to see if I had any other unexpected debts, and realized this company has had me in their system for 3 years. They were not harassing to me at all, but have been VERY patient with me, so either I fell through the cracks, or like any other business that has cranky employees, I got lucky ... or I just had an all around good experience. I had an all around good experience.

Jennifer

I worked as a debt collector there for a few years. First thing I want to say is yes there is some bad collectors there but believe it or not there is also good collectors there. Also keep in mind is the collectors there are just the messengers. I have worked for many other collection companies as well and there is nothing crooked about Asset Acceptance. I wish you could all remember that the people that work there are people too, we have families and we are just working a job like you. Now I know alot of what we do does not make sense but I promise it you read the laws of the FDCPA you would understand more. As a collector there is only so much we can do.
If you ask for validation, we will provide it for you. Sadly the information we do get is not always complete and yes it can take awhile for us to have that info sent to us than billed to you (Ive seen it takes months), it is whatever the original creditor give us. We say to contact the original creditor because sometimes they will still have record of you but sadly most of the time they don't. This is because we purchase your debt and when we do so we now own everything about your debt so most of the time they will give us everything they have and erase everything about you in their computers. The debt we purchase is debt the original creditor cannot collect, it is sitting in their records for sometime and for whatever reason they cannot call on it. So Asset Acceptance and all other 3rd party collection agencies will buy this debt in bundles for a reasonable price so these first party agencies didn't loose money off of you. We have the ability to skip trace information about you ( mostly trying to find a current number and address) so that we can attempt to resolve the account. Also first party collection agencies don't have the ability to skiptrace. That is why most of the time when we get your debt it will have a wrong number or address on it. The hours we work are such a wide range because we need coverage in all time zones. If you have a area code for one state but live in another state I encourage you to change your number. We cannot purposely call you after 9pm as long as your area code matches your state. We CAN call you if its after 9pm in your state but your area code is in a earlier time zone.
I understand that we call the wrong people all the time as well as family members, this is what our skiptracing computer program gives us. WE WILL NOT give your info to anybody that is not named on the account. IF A COLLECTOR DOES SO I ENCOURAGE TO SEEK LEGAL ASSISTANCE!
As far as being sued, sadly and I know it doesn't seem fair but we are legally able to sue without contact you first. When we do, we are doing it out of a courtesy. This goes with other 3rd party collection agencies as well. The process of our suits there are is actually a long. We must first look over the debt. Being sued will depend on the amount of money the debt is for, if its still reporting on your credit report, if we have a signature on the contract, and many other factors. We also have to read up on the laws for your state to see if all these factors are legal in your state. This process takes FOREVER, and if it does ever make to court, us collectors don't see a bonus off of it. SO with that said, most collectors will look the other way to your account and will try to settle with you instead of having to go through that whole process (it takes us away from making money on the phone and will ruin our daily stats that we have to accomplish for the day). If your debt with us actually makes it to suit they we have plenty of proof of it never being paid and that it is valid and us collectors usually will call you out of courtesy because your debt is probably so high that if we can convince you
to settle we get the bonus, and we will provide any info you ask for to get you to pay. We offer settlement letters almost every month, not everybody will get them, but if you get a settlement letter you have a month to agree to it and make a payment towards that settlement offer to lock it to your account. We will not approve a settlement offer you got 6 months earlier just because it may be better than the one you go this month. So if its good take it! If you don't have the full amount of the settlement, call a collector, we almost will always take payments on a settlement if its alot of money. Best thing to do is keep in contact, the more you talk to us, the bigger chance you will have just one person handling your account, meaning the bigger repore you have with that person meaning the bigger willingness they have to help resolve the debt with you.

I will finally end this because after a few years of working there I still learned new things about the FDCPA and collections laws are always changing, so its hard to try to explain everything to you. I got the job there right after I turned 21 and the things I learned there I will keep for the rest of my life and I have the training there and peoples stories to thank. I understand most of you are upset and I can understand that. Every call there is being recorded and will stay in their records for a year, so if you ever have a complaint about a collector they are able to pull it up. We also note everything to your account, the whole time we are talking on the phone with you, we are typing in the computer. Asset Acceptance does care about resolving the debts in the best possible way. We focus on that during the months training and he have many meeting about it. It may seem like they don't because yes we do make money off of you paying your debt (not much at all, but it can add up). By the end of the day it is a struggle to stay positive for a collector because we can call up to 300 people a day and only collect $50/ day when our goal is $18, 000. I just please encourage everybody to treat the collectors with respect because they have the power to give you a settlement or not, we also understand that you may want to yell to vent your frustrations and that's ok but when you pin the problem on us that's when we get upset. There's so much we can do and trust me I have wanted to do more but just cant without loosing my job. If a collector ever calls you names, threatens jail, tells someone about your debt whoms name is not on the account, you have a valid reason to sue us (or any company) and if you win you have a good chance of having this debt erased. Please read everything you sign. That seems to be the main reason why most people have debt, its that small print that will always get ya. Always ask for a paid in full letter AND KEEP IT FOR THE NEXT 10 YEARS! We cannot please everybody that comes through our system but we resolve so many account a day throughout our different locations. We make many people happy and that's why I love being a collector..it feels good to help someone resolve their last debt on their credit so they can buy their dream home or car. I don't wake up everyday saying how am I going to screw someones day over. So please be respectful and don't call us threatening our lives or our families life. We have had plenty of bomb threats, suspicious packages and mail (as well as many other agencies besides us).

I would like to get with other victims of Asset Acceptance Asset and sue them!

Here is my story: it is 2010 and Asset Acceptance LLC has just stolen $5000 from my bank account. They claim it is from an old $900. visa from 1995. They severed someone with my last name in an other state. That person discarded the summons and Asset Acceptance automatically got a default judgment against me. They then used a Domestic Interstate Transference to transfer the judgment to the state of my residence and take the money plus 15years worth of interest from my account. They are cowards and crooks and they purposely sneak cases through courts without giving you the chance to fight it. Asset Acceptance knows that the only way to win is by default. You often need a lawyer to fight them which is so costly that most people just "give in to them".

I have learned that they constantly troll these blogs because they DO NOT want us to know about each other and they especially do not want us talking to one another. If you see any comments that support their tactics I can guarantee you it is just one of there "employee ### plants"

Organizing together is the key (just "Google" their name and you can see that they MUST be stopped)

I have no legal expertise I am just a another victim who is determined to stop them...I have created an email address just for this fight so feel free to write me at standup2scum@aol.com

Victims and Lawyers interested in representing a Class Action case against Asset Acceptance are always welcome to email me.
Sincerely Victim X.

Make sure the debt is not outside the statute of limitations, it is 3 years in some states and 4 in more. This means if the debt is over 4 years old ( or whatever the statute of limitations is in your state) you can not be sued in court for it. You can find out what your statute is free on creditinfocenter.com

then how can you negotiate a settlement. they only offered 25% off but i am realy unemployed on a weekly unemployment that is soon running out.

i can only borrow so much
2100 owed they offered 1533 to settle

can only afford 500

To all those that are being harassed by these thieves and liars, there is hope. Get a lawyer, fight the claim, counter sue them. They have nothing, and their ‘lawyers’ seem to be law school drop outs. Wish I had a bucket of popcorn in court, watching them stammer and stutter in response, to, well, everything.
They are crooks. They break the law regularly, and count on consumer ignorance to get away with it. They sued me for a debt that was well beyond the SOL, failed to deliver the Summons, and just obtained a default judgement against me.
In the end, I won. They lost. Since they do not obey the laws, they can’t hold up in court. Don’t be afraid if it goes there. Just find a good debt collection attorney and beat them down like the filthy dogs that they are.

This outfit has been sending letters and calling my parents over a VISA card with Citibank that I supposedly had in HIGH SCHOOL (?!). The alleged debt dates back to 1988...over 20 years ago. I called them after getting the message(s) from my parents and they said I had to send them, in writing, dispute over a debt of which I have no idea what they are talking about. My CBI is clean, obviously...and I gave them a verbal 'cease and desist' but have no idea what these people are cooking up now based on the horror stories I am reading.

This is like some kind of quasi-legal blackmail outfit! Any advice on how to proceed should they force the issue any further?

To the employees of AACC posting on here...looks maybe your either an innocent naive employee or maybe your someone who's job it is to do social marketing/networking, etc. on sites like this and I really don't care, but you should read this post!

In reading the previous posts, as well as my own experiences with AACC here's my major problems with the company.

*Stipulation - yes, some people are dead beats and want to avoid their obligation to pay their debts.
*Stipulation - yes some of the information that AACC presents is only as good as what they receive from the OC.

Problems with AACC:

*When informed from a client that they're attempting to extract money from that it's not their debt. AACC does not do their due diligence to go back to the OC and verify the facts, they treat everyone as a ###!

*As for being a publicly traded company and not risk losing everything...are you ###ing kidding me? Let's do a little word association kids...Enron, Worldcom, Bernard Madoff Securitites, Sub-Prime Mortgage Loans, etc. etc. etc. The point here is that most public companies actually lack any moral fiber...why, because they must c0ntinue to feed the beast - their investors!

*Debt validation - an emplyee "debt collector" basically blew off the whole debt validation process as unecessary, claiming all that AACC needed to provide was "informing the consumer to who the original creditor is, the amount owed, and you may request the address of the original creditor"...as well as this beautiful gem "If you wanted that, you should have asked for that when it was still with the original creditor." - the problem is that in a world where everyone that AACC contacted was a ### trying to avoid paying their debt then this would be true, but for those who are legitimately the victims of ID theft, clerical errors by the OC, etc. it's the responsibility and as a publicly traded company the fiduciary responsibility when challendge to provide accurately verifiable information!

*Oh and "Collector" you are the dumbest of all...your entire premise of your rant is that everyone is a deadbeat ###, but you never look at the other side of that coin - what about the people that legitimately are being harassed for something that is not theirs? What about the fact that when informed of this your company does not do their due diligence to truly validate the veracity of their claim? When provided with sufficient proof that the debt claim is NOT legitimate why do they continue to pursue action? - I'll tell you why...because AACC and companies like them have found it very profitable for themselves and their shareholders to buy old debts on the cheap and continue to hound and harrass both the innocent and guilty into submission, weather through a settlement agreement to just go away...or worst case by suing them in court and hope the "defendant" doesn't respond and ultimately get a default judgement against them.

OK...I'm stepping off my soapbox now but just want the AACC apologists out there to consider that 1. their company is not the moral authority just because they are publicly traded. 2. that a significant portion of good people do get harrassed unecessarily by AACC. and 3. that if you work at AACC and can sleep at night then you're too far down the food chain to really know about the shell game that 's going on over there!