schankia Posted November 15, 2007 Report Share Posted November 15, 2007 I recently sent an email to asset acceptance disputing a debt reported by them. I copied and pasted a copy of a dv letter. I also traced the entire process to make sure that they received it. I received an email back from them stating that they could not accept this letter this way because it was not a secure way to send info even though I requested they send my info to me via postal mail. I called the number on the email to speak to a rep and was greeted by an automated message telling me that I could either send it via us mail or send an email and they would send the verification via mail. I contact the FTC and was told that an email was not considered in writing because I could not prove that they received the email. Well my question is that if I have the tracer details to prove that they received my letter and they acknowledged that they received the email is that not contacting them in writing and shouldn't the 30 days begin from that date. The CB often verify electronically so why can't I? Link to comment Share on other sites More sharing options...
NewLife4Me Posted November 15, 2007 Report Share Posted November 15, 2007 Sorry you have to do it by writing not email I'm surprised that they didn't just ignore your email all together. They didn't have to answer it.. Link to comment Share on other sites More sharing options...
merkurfan Posted November 15, 2007 Report Share Posted November 15, 2007 Paper trail is VERY VERY VERY VERY (did I mention its VERY) importand. Asset will pull every trick in the book. if you don't have proof of it, it never happend. Do everything on paper via US mail that is trackable (CMRRR) and stay off the phone! ya, I know. kinda harsh, but it's very importand you follow these basic rules when dealing with CA's. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted November 15, 2007 Report Share Posted November 15, 2007 BTW - Paper trails are sort of important.Merk is right - if it's not in writing it never happened Link to comment Share on other sites More sharing options...
flycouture Posted November 15, 2007 Report Share Posted November 15, 2007 I don't think that there is enough info / law on emailing to make is permissable for collections. paper trails are your friend --usps is federal and if they send something fraulent or deceptive trying to get money out of you - you would have them for mail fraud! Link to comment Share on other sites More sharing options...
virtualrn Posted November 15, 2007 Report Share Posted November 15, 2007 I have never e-mailed a dv but I would think an e-mail that has been tracked with the recipient receipt would hold up in court as well as a confirmed fax or cmmr. Who's to say a ca couldn't copy and paste a letter to use it as evidence? Link to comment Share on other sites More sharing options...
schankia Posted November 15, 2007 Author Report Share Posted November 15, 2007 OK I will send it certified mail. But I am still confused because several people use emails as proof in court. I have an email stating that they did receive my request. I have also received a letter from another CA that is upset that I have contacted Asset Acceptance asking that the debt be verified. I have a paper trail including a receipt showing when they opened the email, the original email, their response to my email and the letter from the new agency acknowledging that Asset received the email. I was also told by the credit bureau that the debt was verified by them send an electronic message and they received the verification the same way. Wouldn't electonice mean via email? The law states verification in writing and email is a written document. (Just asking for opinions) Link to comment Share on other sites More sharing options...
flycouture Posted November 15, 2007 Report Share Posted November 15, 2007 i would definately take those docs to court -- but I'm not sure if some judges will see it that way. THey may be old school like me. Let me know how it turns out. Because others have wanted to email. It is a growing trend in collections. Link to comment Share on other sites More sharing options...
trich701 Posted November 16, 2007 Report Share Posted November 16, 2007 I defeated AAA with the BBB and the AG. Poof...Gone! Link to comment Share on other sites More sharing options...
schankia Posted November 17, 2007 Author Report Share Posted November 17, 2007 Thanks for that advice. I disputed Asset Acceptance with Experian again and it has been about a week and they are claiming that they have verified the debt. Link to comment Share on other sites More sharing options...
schankia Posted December 26, 2007 Author Report Share Posted December 26, 2007 I filed a complaint with the BBB concerning this debt. The first thing Asset did was claimed they would send me something which they never did. I informed the BBB of this and they then replied that they just purchased the debt in 9/07 which is untrue because my report shows that they have had this debt for a couple of years. Needless to say they are still refusing to validate and are still lying. I have filed a complaint with the AG in their state. Hopefully it will be removed soon. This debt is from 2001. Link to comment Share on other sites More sharing options...
brokeinok Posted December 26, 2007 Report Share Posted December 26, 2007 OK I will send it certified mail. But I am still confused because several people use emails as proof in court. I have an email stating that they did receive my request. I have also received a letter from another CA that is upset that I have contacted Asset Acceptance asking that the debt be verified. I have a paper trail including a receipt showing when they opened the email, the original email, their response to my email and the letter from the new agency acknowledging that Asset received the email. I was also told by the credit bureau that the debt was verified by them send an electronic message and they received the verification the same way. Wouldn't electonice mean via email? The law states verification in writing and email is a written document. (Just asking for opinions)You can present them in court, but rulings are still split on this. Link to comment Share on other sites More sharing options...
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