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Is Asset Acceptance, LLC calling you?*

Here's what you need to know.

Due to the growing national debt crisis, it is very common for people to be sent to collections through no fault of their own. People lose their jobs, receive disability, forget to pay or experience an economic downturn. No matter the reason, debt collectors will call, text, and e-mail you in order to recover a debt, and they can be very threatening. If you are being harassed by a debt collector, read about your rights below.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from being intimidated and harassed by third-party debt collectors. It regulates what collection agents may or may not do during their communications with consumers and prohibits actions like the following:

  • Using profane and obscene language

  • Calling you at work when they know that your workplace won’t let you take such calls

  • Discussing the debt with anyone except you, your spouse, or your attorney

  • Trying to collect an amount not authorized by law or by the original creditor agreement

  • Calling you at all hours of the day and night

  • Keep calling you and sending letters after you dispute a debt

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Company Profile: Asset Acceptance, LLC

Asset Acceptance Capital Corp., LLC (AACC) is a third-party collection agency based in Michigan. AACC has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failing to verify debts and attempting to collect debts not owed. If you have been contacted by Asset Acceptance, LLC, understand your rights before taking action.

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Hire an Attorney

The phone numbers for Asset Acceptance, LLC are:

  • 1-800-545-9931

  • 1-586-446-7826

If you see either of these numbers on your caller ID when the phone rings, be warned that a debt collector looking for you. If they are vague regarding your rights and threaten legal action that never transpires, hire a consumer attorney. If you sue for these infringements on your rights as an indebted consumer, you could potentially win $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. The fact that you owe money does not give a debt collector license to intimidate you, a fact they ignore at their own professional risk.

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So if these numbers appear on your caller ID, a debt collector is seeking money from you. If their dealings with you are hostile, deceptive, or in any way unethical, see a consumer attorney.

 

Legally, Asset Acceptance, LLC must cease contacting you once you have retained counsel with regards to the debt. Know your rights when dealing with debt collectors, and be prepared to act on them.

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The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Asset Acceptance or any other third-party collection agency, you may not be entitled to any compensation.
 

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Harassed by creditors?

YOU MAY BE OWED $1000 OR MORE!

Has a debt collection done any of the following?

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Been Harassed by Debt Collectors?
?
Been Harassed by Debt Collectors?
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KNOW YOUR RIGHTS
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