Asked to pay for anothers Bill

Hi BrianJ
Welcome to the forums

By ignoring them they will not stop harrassing you. You have to deal the matter very tactfully. First you have to ask them to validate the debt. This is because by law they are bound to validate your debt and they must give you a proper response within 5 days. If they can prove it that it is your debt then you have to pay off the debt.

In case they fail to provide you a satisfactory response then you can lodge a complain in FTC against asset acceptance llc for harrassing and resorting to unethical ways for collecting the debt. In addition do not give them any sort of confidential documents to prove that you are not the person whom they want to contact.This may lead you to a victim of identity theft.

Hope to hear from you soon

Regards
Peter

Peter,
Thanks for the response. I did ask them to prove the debt was mine, and they sent me an "account statement" that shows the original creditor, principal, etc. On the bottom it shows "personal information" and it has a social security number with the first five numbers "X" and then the last 4 it shows which are not mine. Can I just call them and say this is not me. The person I talked to at asset acceptance llc said I must send them some info proving I wasn't at the address the original bill was sent to. Like you say, I really don't want to give them any info, but I also don't want to get continually harrassed. Also, since the SS# is different, there is no way this could go on my credit report, correct? Thanks again for your help!

Hi Brian J

Welcome to the forums. You can send Asset Acceptance a certified mail stating that you are not the person they are trying to contact. You can also give proof of your address with it.

If they keep calling you after receiving your letter, then you have the right to take legal action against them as per the Consumer protection afforded by the fdcpa Section 809 (b) and sue them up to $1000.

Regards
Roxette

This same company has been harrassing my sister about a phone bill for someone named Sheliah X. When my sister told them that no one by that name lived at that address and no one by that name had ever lived at that address (new construction), the agent implied she was lying. When she asked to speak to a supervisor he pretended to put her on hold and then asked her how he could help her. She recognized his voice and said she wanted to speak to his supervisor. He mocked her. This is not a terribly professional company. After repeated requests to be removed from their calling list, she had to threaten a law suit to stop the calls. I am only assuming they have stopped, as she hasn't mentioned them lately.

Ttthayden - Your sister made a very bold move in fighting against the disturbing calls of Asset Acceptance.

Actually, the situation worsens when these people repeatedly keep calling you in spite of knowing the fact that they are contacting the wrong person. Do they get any pleasure doing this when they know that they can't recover any money from us?

I suggest all of you to keep a regular check on your credit report as most of the agencies are involved in wrongly reporting an account negatively in your credit report. If we keep a check on our credit report regularly and dispute on a certain account, we might be able to keep good credit ratings. Otherwise, negative information keeps on lowering the credit scores.

I hope this needs a thought

Since they don't have anything to connect my sister to the outstanding bill (besides the phone number), I imagine she is pretty safe. They keep asking for someone whose name is not even similar and they don't have the correct address. They keep asking my sister for her address, name, etc to confirm the account is not hers. However, she is smart enough not to provide them with amunition!