@Anonymous wrote:
I sent them letter after letter after letter asking for a pfd. I noted that I never recieved debt validation and offered full payment for it being removed from my report. I got the we don't do that blah blah...finally I sent a certified pfd letter directly to the president or CEO, I just googled it. Two days later, it was gone from all my reports and I never heard anything else about it. It hasn't ever shown back up...worth a try?
That's definitely worth a try. I just got this from the FTC website.
"The proposed settlement requires that when Asset Acceptance knows or should know debt may not be legally enforceable under state law – often referred to as "time-barred" debt – it must disclose to the consumer that it will not sue on the debt and, if true, that it may report nonpayment to the credit reporting agencies. Once it has made that disclosure, it may not sue the consumer, even if the consumer makes a partial payment that otherwise would make the debt no longer time-barred."
If my disputes come back with the inaccuracies verified, I'm going to proceed with BBB, FTC and AG complaints. Since AA disclosed that they will not sue me, it sounds like the FTC has my back and they really can't sue me.
