They are legal but unethical debt collectors who buy old debt and  harrass people about it.

who is aacc

I received a call from 804-234-9050, but no message

You know all the Generals for Adlof Hitler were just doing their jobs also. What a gross way to make a living, get a real job were you are out there with real people. Don't hide inside walls and make people miserable by calling all hours and going to meetings and conventions on how to learn to feel good about what you do, while someone else the (owner) makes ridiculous money on the peanuts they pay you. Its just an unethical job like be a Private Investigator, Like a cop who writes DUI's and gets drunk and drives home get pulled over and never gets a DUI. Come on Just doing your job. Everything in our system feeds off the Middle Class, including you, when things go wrong for them you make them more miserable, then the attorneys make more, the Bankruptcy Trustees, the list goes on and on. Thats why I wished we put of put another corporate interested president in instead of a people person, I want you folks to get what it good for what your doing to good honest folks.

doesn't answer if I do
never leaves a message
multiple calls a day

from Federal Trade Commission Website

How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

a CEASE COMMUNICATIONS LETTER TEMPLATE TO USE
http://www.budhibbs.com/ceaseletter.htm

Kim
This would be considered harrassment on this issue
repeatedly use the phone to annoy someone
(this is when they refuse to stop calling the wrong number)

BRIANNA IS A LIAR!!!!  AS MOST COLLECTION AGENTS ARE

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!

From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.


How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.


What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren?t; or
indicate that papers they send to you aren?t legal forms if they are.
Debt collectors also are prohibited from saying that:

you will be arrested if you don?t pay your debt;
they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.
Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn?t; or
use a false company name.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.
Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans? Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members? Pay
Military Annuities and Survivors? Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen?s and Harbor Workers? Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

if you are so well versed in FDCPA that you are listed as one of the WORST FDPCA Violators and a just a con job?  

YOU MAY BE A LEGITIMATE BUSINESS BUT YOU DO NOT FOLLOW THE LAW

FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATOR IN THE COUNTRY

Asset Acceptance Corp.
28405 Van Dyke Avenue
Warren, Michigan 48092
Phone: (586) 446-7818
Fax: 586-446-7837
Web Address: www.assetacceptance.com

2840 S. Falkenburg Road, Riverview, FL 33569
(Physical Office in Brandon, FL)

Other Offices/Numbers:

10500 Highway 281 N. Ste 150
San Antonio, Texas 78216
Phone: (210) 979-3600
Fax: (210) 979-3659
410 846-2502
248-220-8709

9940 Franklin Square Dr.
Nottingham, MD 21236
(410) 933-0960 (410) 931-3044

600 West Resource Drive, Independence, OH 44131
(216) 661-6152, (216) 485-8400 and (216) 661-0165.


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Bud Says                         Consumer Comments Below

Asset Acceptance Corp. (AAC) is a publicly traded company. (Nasdaq: AACC) They purchase old portfolios of mostly worthless charged-off accounts for pennies on the dollar. Once owned, they appear to inflate the value of the portfolio, send out dunning notices and try to collect at a ridiculous profit.

Don't be surprised if you notice the date of last activity on your credit report, as stated by AAC is WRONG! Deliberately changing the date of last activity is a way to scam consumers into thinking they are entitled to money they would not legally be allowed to collect.

This is standard procedure for them -- from "re-aging" the debt on the credit history, to suing on what is probably a statute of limitations claim, to reneging on a written promise.

Watch out for the mystery $50-$75 payment you didn't' make that magically revives the account. When pressed, they claim to do an investigation and "discover" that they made a "clerical error" and mistakenly posted someone else's payment to your account.

NOTHING this 'House of Cons' does should be believed or taken at face value. They have proven over and over they are liars and thieves!

Under federal law, the Fair Credit Reporting Act (FCRA) an account may ONLY stay on a credit report for seven years. One of the cons being used by Asset Acceptance is to claim you made a $50 payment, which would have re-started that clock. Unfortunately this is a 'bogus-claim' by AAC, is illegal and violates your rights.

Asset Acceptance Corp has earned the distinction of one of "AMERICA'S WORST COLLECTION AGENCIES". They lie, steal, cheat, misrepresent, file bogus claims, create phony documents and commit perjury in the court system JUST to increase their bottom line.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.

I have been receiving calls from PARC 804 2354 9050 on a daily basis.  I would like them to stop.  I don't owe any money to anyone, if this is a dept collection.  I, also, received calls from an unknow caller.  I would like both ot these callers to cease calling my number.  PARC calls at 8:30AM every morning and the message is: This call is for John and my last name.  It is a recording and there is no one there.

I have a similar situation with these people calling for someone who never lived here. I guess who they're calling for had my phone number before I did.

O.K. First of all PARC stands for Premium Asset Recovery Corporation. I know this because Asset Acceptance Capitol Corporation gave my their phone number. Apparently they're affiliated to one another.

PARC's corporate phone number is 888-533-7272

Hope that helps,

Cheers

An account rep said that? I highly doubt it. I work there and i can tell you that we HATE it when rude people call us complaining, claiming that they have told us several times to remove the # when the truth is that they really haven't. we are very well versed in the FDCPA, and if some one where to say something like that and keep your phone number in AFTER you have asked us to remove it, it would constitute a violation, which will cause that person to lose their job. do you ever wonder why they say debt collectors are so rude? its because of the constant onslaught on NASTINESS FROM DEBTORS that we have to deal with everyday. People forget, there are real, live people on the other end, people who also have problems and need to feed their families as well.I agree that there are some mean collectors out there, but the nastiness doesn't usually come out until a whole day of listening to people insult, undermine, and other wise try to hurt you over the phone, just for doing your job. Now, i completely understand the anger from customers when i see that our dialer has called them multiple times in one day. I have spoken to management about that, as i disagree with the practice and feel that it breeds anger and frustration in the community. There are ways to deal with the people on the other end, simply call in and BE POLITE (rudeness will get you nowhere, its very easy to hang up on someone who calls in just to insult me and my co-workers,) ask us to do a search of the phone number and read you back all the names that come up. if none of them are yours or your spouse's we will remove the phone number. its that simple. it doesnt work to curse us out, because either way, unless you tell us its the wrong #, its staying in there. Also, please remain on the line when the annoying a** robo calls come thru, and physically tell some one that the number is incorrect, again ask us to do a search and we will remove it. Unfortunately, due to call volume requirements, we often just remove the phone number from the one account it popped up, without running a full search (which often takes a few minutes) let me know if you have any questions about the truth of the matter

received a call from this number tonight.  very upset because I just got an unlisted number.  don't owe anyone so I know they are not calling for debt collection...hopefully they won't call again!

Numerous calls from this number, never leave a message, no idea who it is they are looking for.

I keep my ringer turned off (line is Internet-only) so I've never talked to or received a message from this number.  My Caller ID says that I get as many as 10 calls from this number a day.  Searches tell me that this number is a collection agency and I have no bills in collections or arrears of any kind.  This is bogus!  I want it to stop.

AACC keeps calling multiple times of the day to our personal number.  These people know there is nobody here that they are looking for - yet they continue to call.  We've marked their mail as "no such person at this address" but they still don't get it.  I believe our only recourse is to get a restraining order from the State since they are obviously to stupid to get off their rears and find another way to look for their person

call 18042349050 and ask to speak with jim richards he is the owner and will record your call even better if its them that is harrassing you
also make a complant with the fcc.gov it take alot of complants for the fcc to do any thing so the more the merrier considering the fcc inforces fines of about 5-15k per caller enought for the debt collector to go into debt quick

http://www.fcc.gov/

now sport fans if you are having trouble with this co there is a way to get them to stop calling send them a reg letter recipt
requestd and if the calls keep coming turn it over too your states atorney and them will take care of it end of problem

The Caller ID also shows PARC. No message was left. These idiots try and collect from Capitol One credit card debt that is over 9 to 10 years old.

Since I moved into a new house which means new address I been getting calls from 1-804-234-9050 on a daily basis. Being annoyed I answered the phone one day and on the other line it was a operator apparently she was on lunch because you can hear potatoe chips being chewed. I want this to stop.

This is the same company that calls from 804-234-9050 to 9060. I guess that all they want is to steal your information, they mainly want your full name, birth date and SSN. They have been calling me for months, the first time I answered the phone they said that I owe some money to Bank One. That is just impossible, either they are making it up or they are confusing me with another person.

Their goal is to annoy you to the limits to get the information they want.

I don't answer the calls anymore but they call everyday and leave no message. I am planning to report this to the police, we all should do that.

Over the past four years this company has called asking for Tammy Lambert.  They have harrassed my wife on any number of occasions, seemingly trying to "trip her up" and admit to being this person.  They stop for a while, then the calls resume even though our name is supposedly on their DO NOT CALL list.

Could you explain, "...law breaking collection agency."? We all might learn something. They call our business phones everyday. I've called twice to explain no one works/has ever worked here, with the name they are looking for. They say it's not their problem.

We have been receiving telephone calls (recorded messages) from Greg Williams, Asset Acceptance Company, for Neil McQuigeon's for the last 10 years.  We do not know a Mr. McQuigeon and want these calls stopped.  It  appears, if there is a Mr. Williams, he does not research or follow up properly to find the intended client.  In other words he is of no value to his company.

Once again I got a call from this scavenger collection agency and I called them back and told them they were violating Federal Law by contacting me by phone after i requested that they stop doing so. As far as I am concerned my insurance has paid the bill. However  the hospital sold the debt to these people. Apparently the fact tat  it is way past the statute of limitations for collections is not important to them.

The recording asks for a Grace Butler. I've already spoken to them 3 ties explaining that there is no such person here and I still get calls from them.  I want it to stop!  My number is private for a reason!

I get this call everyday about 8:00 am. asking for a certain person in a recording , giving me four options the fourth one being if this is a wrong number press 4 , i did , see what happens '

As near as i can tell  if you inform them  to stop calling you legally they have to stop calling you.

This company shows up as aacc and yes they are very rude.
On top of that they call my home phone and ask for someone
I have never heard of. I was wondering if anything can be done
Legally to stop this bullcrap?