If Acceptance Now is contacting you to collect a past-due debt, but you don’t believe it is your debt or that you owe it, you do have rights. Congress enacted the Federal Debt Collection Practices Act (FDCPA) to provide protection to consumers from unethical debt collecting practices. Thanks to the FDCPA, you can ask for documentation to prove you owe the debt in question. The FDCPA establishes debt collecting guidelines for both parties involved with the debt. The FDCPA allows you to request specific details about the debt, including validation of it. After having sent a letter to the collection agency asking them to validate the debt, Acceptance Now must stop debt collection activity until you have been provided with the documentation you requested. You can ask for proof of the debt, the debt amount, and the name of the original creditor.
Drafting Your Letter to Acceptance Now
If you think Acceptance Now is trying to collect a debt from you that you aren’t responsible for, talk with an FDCPA lawyer who is licensed in your state. Your attorney will gather your supporting documents and send the dispute letter to Acceptance Now based on FDCPA guidelines. This letter will help you get the proof you need that you do owe the debt in question. Always do this before you start paying a debt. While the laws usually give you 30 days from the time you receive notification of the debt to either dispute it or ask for validation, the timeframe isn’t as specific as far as the collection agency’s response goes. You should specify a time limit for Acceptance Now to respond. Indicate that time limit in the letter. Your FDCPA lawyer will draft the letter and tell Acceptance Now they have somewhere around 30 days to respond to your written request. If they don’t respond within that time, then they didn’t validate the debt and you are off the hook.
Actual Sample Letter
I am asking that Acceptance Now provide me with the documentation that I need to validate the debt in question. This request is based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809(b). I demand that you provide specific information to me regarding this debt to prove to me that I am responsible for it. I ask you to provide documentation showing the full amount of the debt, the original creditor’s name, any judgment information that applies, the agreement you have established with the original creditor allowing you to collect this debt on their behalf, valid copies of the original credit agreement, documents showing the payment history, proof of when the last payment was made, the amount of the last payment, and your license to collect debts in my state of residence. I also request information showing that the Statute of Limitations for collecting this debt hasn’t expired.
If Acceptance Now fails to respond to my request, and you don’t send me the requested documentation within 30 days of the date of my letter, all references to this debt should be deleted from my credit history. At that time, any future attempts for collecting this debt must end. By not responding in a timely manner, Acceptance Now would be making an implied agreement indicating they would reimburse me for my legal fees should I choose to proceed with this case to court. You should indicate the account number or reference number then sign the letter then send it to Acceptance Now.
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Talk to an Attorney Today
If Acceptance Now is trying to collect a past-due debt, but you don’t think it is yours, talk with a local FDCPA lawyer. A lawyer will write the dispute letter on your behalf. He or she will send it to Profit Services Group before your time limit expires. Your time for disputing the debt is limited, so send the letter before it is too late to act. If you don’t do something before the statute of limitations expires, Acceptance Now will continue the debt collection process. At that point, you will also have a negative mark on your credit history. The FDCPA was enacted to provide protection to consumers and to stop unscrupulous debt collection practices. Know your rights regarding debt collection matters. Then use your ability to request debt validation from the collection agency so you don’t get stuck with a bill you don’t owe.
Additional Resources
*Disclaimer
The content of this article serves only to provide information and should not be construed as legal device. If you file a claim against Acceptance Now or any other third-party collection agency, you may not be entitled to any compensation.