866-266-7550

Yeah, I've gotten calls from these creeps, too with the same spiel.

That's WHY God invented Caller ID and Call Block! =)

As all of you are painfully becoming aware, Asset Acceptance Capital Corp. (AACC, the owner of 813-793-7623 and 866-266-7550) is a very, well, let's just say a company that uses highly interesting collection practices.  Arm yourself with information about this company.  Read the links below and others.  Maybe your phone company or your phone service can block calls from this number, but I'm fairly certain AACC uses other numbers, too.  Let their calls go to voicemail and ignore their silly warnings about how they know you are listening to your voicemails (as mentioned by someone).  

Why bother speaking to AACC's nasty representatives directly?  It appears that no one yet has had a good experience speaking with them.  You will learn that they buy extremely old (alleged) debts for a few cents on the dollar from the original creditors and get to keep all of whatever money you pay.  When you ask for evidence of the debt, AACC most likely will only have a computer printout, not the records it is required to have to prove the debt.  If you don't pay through intimidation, AACC most likely will file a suit and hope you won't show up, so that it will win a default judgment against you without having to prove its flimsy case.  The default judgment means AACC no longer has to prove its case and now you really owe the money it claims you owe.  So, if AACC serves you with a suit, you should go to court and make it show the court the evidence of debt (not just a computer printout) that they likely don't have.

Remember, if you agree to pay (and start paying in part) a debt already extinguished by statute of limitation laws, you have just negated the statute of limitations protection and reset the statute date to the payment date.

For those who wonder how AACC finds you, this is simple - they use information broker services which have constantly-updated post office forwarding address information and other info from a wide variety of sources where you may have innocently listed your new phone numbers and addresses.  The information broker information (ChoicePoint is a major broker - look it up via Google) have records of your current and past addresses going back years, along with your relatives names and addresses, various names you have used, etc.  

These are just a few sites related to AACC specifically and the debt collection game:

http://www.debtconsolidationcare.com/forums/about2251-1.html

http://www.assetacceptance.com/about.html

http://www.budhibbs.com/debtcollectorpages/asset_acceptance_corp.htm

http://forum.freeadvice.com/showthread.php?t=321362

http://forum.freeadvice.com/showthread.php?t=196346

http://www.fair-debt-collection.com/SOL-by-State.html


One more thing.  Please DO NOT use your name in forums like this, as some have already done.  AACC and similar companies can easily read these messages and will now be able to document what you have said, if it is useful to them in their actions against you.  You cannot later convincingly claim that someone else entered your name in the forum, as few others would know that AACC had contacted you in the first place.  Remember, none of us need to know who you are.

Yes, and scumbag collectors like AACC are going to CONTINUE to get away with their ILLEGAL tactics, until the FTC does something about it.

Don't hold your breath waiting, though!

These fools have been calling me for over three months, looking for someone else who doesn't live here...and they called again this morning.

Right on the heels of that, I got a call out of the blue less than an hour ago from another attorney's office representing National Asset Management (another notorious debt collector), looking for yet another individual who doesn't live here. I called them back and left them a message informing them that I was NOT the person they are looking for and they had dialed the wrong number.

These increasing calls from debt collectors only serve to confirm the fact that this industry is one that is not only radiant with corruption and greed, but is also OUT of CONTROL, and I am going to make certain that whoever I vote for in the 2008 elections has it in their agenda to clean it up!

The comment from Goodfellow below has some pretty good advice.  These folks are gathering information on you so the more you talk to them the deeper the s**t gets.  AACC buys the debts for 3 or 4 cents on the dollar and the debt is usually past the statute of limitations.

1.  Don't talk to them, don't pick up the phone.
2.  Report them to the FCC consumer complaints web site: http://esupport.fcc.gov/complaints.htm

Be sure you're calm when you file the report and everything you enter is factual.  You will be required to identify yourself.

I am trying to find out if AACC sells their account to Midland Credit Co or other collection agencies at a reduced rate.
AACC can't leave a message to me because I don't have an answering machine or service. I just see the number.

Illegal phone calls

stop calling my 903 # area code. I don't know you and I need to sleep.