Asset Acceptance Corporation is a third party debt collection company. They have filed thousands of civil lawsuits against consumers and have placed levies on bank accounts and have garnished consumer's wages. Contact information is as follows:
Asset Acceptance Capital Corporation
P. O. Box 2036
Warren, MI 48090-2036
800.545.9931
We've heard horror stories about dealing with this company. Unless you would rather have a credit repair expert call them on your behalf you can look forward to repeated, nasty voicemail from callers using trying to intimidate you by claiming they are lawyers and they're going to sue you.
Oftentimes companies like Asset Acceptance Corporation attempt to collect a debt that has already been paid in full or has been dismissed by a court of law. You want to get to the bottom of the pestering and you want to be a responsible person but you don't want to be belittled or threatened by one of their representatives. It is very difficult to get them to verify a debt much less correct erroneous information about the debt.
What you should do first
First, get a copy of your credit report from all three major bureaus: Transunion, Experian and Equifax. Do you see any discrepancies? Any derogatory items the Asset Acceptance Corporation might have been calling you about? Worse, do you see several derogatory items? Which item might Asset Acceptance Corporation have been calling about? Take deep breaths. This is going to take a while. Write letters to both addresses above. Inquire about any debt they may have concerning you. Or you could hope and pray the problem will just go away but debts do not disappear into thin air and credit scores don't go up by themselves.
Seek help
Although very stressful, it's possible to have the matter resolved completely and a clear credit report all without your credit score being negatively impacted. The least stressful way to deal with a company like the Asset Acceptance Corporation is to let a professional deal with them on your behalf. You may decide that having a credit repair expert on your side is the quickest and trouble free way to dealing with the Asset Acceptance Corporation. If you choose to hire a professional we suggest Lexington Law Office. Their services are recommended as very effective.
"I just want to share with you my story about how my credit situation. If you are someone struggling with bad credit, then I was walking in your exact same shoes...
And today - if you look behind me - this is the house that I bought.
So, obviously my credit situation has changed.
Basically, while I was in college I ran up my credit cards and acquired a lot of unmanageable debt which destroyed my credit rating.
About a-year-and-a-half ago when I went to try to buy a house, the banks laughed at me and made me feel bad about what happened in college. (They basically implied that I was a deadbeat SCUMBAG even though it really wasn't all my fault).
I knew that I had to fix my credit, but didn't know how to do it myself so I went to Lexington Law.
Now, literally within several months, I was able to purchase a $300,000 new home without any trouble at all obtaining a mortgage.
So instead of going into banks with bad credit and being looked at as a scumbag, the banks were more than willing to help.
In fact, when I applied for my mortgage and the banker ran my credit, he came back and was saying...
"Wow! Sure thing sir. We'd love to help you out."
Lexington Law literally changed my life.
I went from being the person who has bad credit to being the person who is living in what I consider my dream home at age 29.
I had basically every kind of negative listing shy of a bankruptcy.
Lexington Law has raised my credit score at least 237 points. I just checked my FICO score which is now a 737. When I started with Lexington Law, it was below 500!"
I encourage anyone struggling with bad credit to pick up the phone and give Lexington Law a call.
It was super-encouraging to see my credit score improve each month as the negative items were deleted from my credit reports. I thought some of the bad credit was permanent since creditors misled me into believing that delinquent information would stay on my credit report for the next seven years.
However, through their dispute process and "goodwill interventions," Lexington Law proved it is possible to remove any questionable negative item. (it is the same as pleading 'not guilty' in a court of law).
Additionally, the paralegal assigned to my case showed me other credit rebuilding techniques such as:
Deleting the negative credit items like charge offs and the credit card judgment, combined with the credit rebuilding techniques, rapidly improved my credit score. In fact, in month two my score went up 74 points!
After living with bad credit for so long, it was really encouraging to see that I was making progress in the right direction.
Not only did the attorneys at Lexington Law show me results, they also provided excellent customer service along the way. If you are someone who enjoys that "personal touch", then you may like how Lexington Law assigns a paralegal to your case.
My paralegal (Stephanie) was always available to discuss the status of my case over the phone and email. Even though I didn't expect or ask for it, my attorney would also periodically give me a call to check in.
Here are some strategies Lexington Law used to delete the really stubborn bad credit - such as the credit card judgment:
You can also access you case online anytime you like. (I enjoyed logging in just to see all the deletions!)
If you are struggling with a bad credit score because of negative credit items, then I truly hope that you start repairing your credit today. I know how humiliating bad credit is and I know how easy it is just to 'sweep it under the rug' and pretend it will go away on its own.
I realize that your situation is probably a little different than mine, however, Lexington Law has already deleted questionable charge offs, a credit card judgment, late payments, collection items, and inquiries from my credit report and raised my credit score to a 737!
Here is a shot of my credit score online last month -:
To get started repairing your credit, call Lexington Law today direct at:
1-800-232-2903 (toll-free)
Or, if you want a Lexington Law paralegal to call you, click here.
