Asset Acceptance Email contact

[chik]

Has anyone had and experience using email contact w/ a creditor?  I contacted Asset Acceptance via email asking the following:

I just pulled my recent credit report and found that your company is
reporting for the above accounts. This letter is to inform you that
the validity of these debts are disputed.  Please contact me via email
to resolve this inquiry.
Thanks so much and I look forward to hearing from a representative of
your company. 

The responded but did not validate. Basically they just stated that they had rec'd my email and assume that "this course of communication is (my) preferred choice". Then went on to give me there phone # and hours of bus.  I'm not sure where I should go from here.  I can PIF and would like to PFD and I'd prefer to communicate via email just for the ease and quick response... Any advise?  THANKS in advance!!

[llecs]

Personally, I would send them one of the many DV letters found on this site, specifically referencing Sect. 809 of the FDCPA, and I'd mail it CMRRR.

[chik]

This is what I would like to send... it's DV and I spun it on the sweet side since you get more flies w/ honey    I've sent DV's on this before with no luck and this is the first time I've gotten any response even though it is email...

Thank you so much for your prompt response to my email.  As stated in my original I would like to validate the information found on my credit report which is associated with your company.  Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.  I am not looking for verification or proof of my contact (mailing, email, phone) but rather a request for validation and I respectfully request that your offices provide me with complete evidence that I have any legal obligation to pay you.

Please provide me with the following information:

·     What the money you say I owe is for

·     Explain and show me how you calculated what you say I owe

·     Provide me with copies of any papers that show I agreed to pay what you say I owe

·     Provide a verification or copy of any judgment if applicable

·     Identify the original creditor

·     Prove the Statute of Limitations has not expired on this account

·     Proof that the collection company owns the debt/or has been assigned the debt. (You are legally entitled to collect this particular debt from me.) This is basic contract law.

·     Complete payment history, starting with the original creditor. (I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..

·     Copy of the original signed loan agreement or credit card application. (My contract with the original creditor establishing the debt between us.) This is also basic contract law.

Upon receipt of all the above information and verification that the information provided is correct I will be available to discuss the reported accounts further.

I sincerely appreciate you taking the time to research my request and look forward to clearing up what I fear may be a reporting discrepancy.

Best Regards,