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Asset Acceptance LLC


P.O. Box 2036
Warren, MI 48090-2036

781 Far Hills Drive
Suite 100
New Freedom, Pennsylvania 17379

Contact Them:

Corporate: (800) 505-5166
Customer Service: (800) 545-9931

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Linda Zirkle on February 11, 2015 at 12:55 pm

      This is about my sister, who’s health is not good and so I’m her POA agent.
      March 2009, CapitalOne made a charge-off of a CapitalOne debt that accrued. This same year her husband died of brain cancer with no money left after all his chemotherapy. My sister was left with all the debt. She lives now on Social Security and cannot work due to a brain operation that has left her in constant pain.
      Last year Asset Acceptance LLC sued for this money. I had a lawyer tell them about her situation. They are relentless and hound her to death. She has NO MONEY, and NO HOME to call her own. Now they’ve sent me all these papers to sign called Plaintiff’s First Interrogatories. I don’t even understand what I’ m reading. My lawyer didn’t really help much. Now she has 9 or 10 days to respond and I just got this letter today.

      Mary K White

    2. Joe L. on March 5, 2015 at 5:04 pm

      I do not appreciate being contacted by the Asset Acceptance, LLC people trying to confront me about my late Fathers estate. I am constantly being harassed by people claiming my Father owes them money when he owed no one. My Father was in a nursing home for the last 3 years and had less than 3 thousand to his name when he passed. Asset Acceptance, LLC have hit a new low. I want to sue them.

    3. Michael S. on March 6, 2015 at 12:30 pm

      Our daughter has apparently not paid on an old debt of hers. Asset Acceptance keeps calling my wife and I at all hours of the day even after we have told them she doesn’t live here and to quit calling us. I am 75 and my wife is 73 and it has caused my wife’s blood pressure to skyrocket, sleepless nights and her anxiety to be a serious problem.

    4. Darren W. on April 13, 2015 at 9:03 pm

      Asset Acceptance calls from 3012230102, 8777689844, 8007814401, 8005459931, and 8004552554. Asset Acceptance also calls from 8003362727, 5868383200, 5864461806, and 2484658150.

    5. [anonymous] on May 30, 2015 at 9:57 pm

      Asset Acceptance LLC purchased my debt from the phone company. I disputed this debt with the credit bureaus because the account was opened without my knowledge. My disputes have brought no luck. The credit bureaus are simply taking what Asset Acceptance LLC says as truth without checking any of the facts.

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