Needing Informed Opinion Concerning Asset Acceptance
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Posted by Erioc
(170.215.164.2) on January 26, 2004 at 09:09:45:
First I would like to say thank you to everyone for participating in such an informative online forum. The information and opinions posted here have been like a beacon shining in the night for many people left in the dark confusion of the debt collection world. I am hoping that the same courteous and knowledgeable people will be able to shine some light onto the problem that is currently plaguing me. I recently received a phone call from Asset Acceptance concerning a debt that I had no memory of. When I could eventually get a word in with the person I was talking to, I informed him of this fact also, and requested that a copy of the original signed credit agreement be sent to me by mail. He informed me that such documents were "rare" and that he was going to write down that I was being unreasonable and refused to pay the debt. At that point I asked him to also write down that neither he nor anyone affiliated with the company he works for to ever contact me by phone again. The next day I have a three-in-one credit report done, and low and behold, there is an entry for a Wards/MWCC account with a date of last activity listed as 9/97. Along with this entry are three entries by separate collections agencies, each concerning the same debt. This is the crux of my problem. I do not remember ever doing business with Wards, and would honestly like to see something with my signature on it saying that I did, in fact, open an account with them. I received a letter from Asset Acceptance, along with a very vague computer print out, stating that I should consider the print out as validation. As you can probably guess, I have no such intention. I live in West Virginia, and from my understanding of the information listed here and elsewhere, the statute of limitations for legal collection of this debt expired in either 2002 or 2003, depending on which site has the most accurate information. I have not been threatened with a lawsuit at this time, but there was a statement of "legal responsibility" and the ever-dreaded "legal department" from the person I spoke with on the phone. In the learned opinion of the forum regulars, what is your advice on this matter? Should I pursue validation, banking on my own memory and the reluctance of Asset Acceptance to send a signed agreement? Or should I use the Statute of Limitations letter to try to end this game before it starts? Also, any advice on how to have these references removed from my credit report would be greatly appreciated. Thank you all in advance.
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