Asset Acceptance – Have they sued you?
Have you received a collection letter from Asset Acceptance? or a telephone call? has a lawsuit been filed against you by Asset Acceptance? Whether the lawsuit is filed at the local magistrate or the Court of Common Pleas, we can help.
Asset Acceptance is a company that buys allegedly delinquent credit accounts and then tries to collect on those accounts. They can be grouped together with other companies that are known as Junk Debt Buyers. These Junk Debt Buyers buy large blocks of allegedly defaulted credit card accounts for pennies on the dollar, sometimes for even less, for the sole purpose of attempting to collect whatever they can on those accounts from individuals just like you. They file dozens of lawsuits in almost every county in Pennsylvania on a daily basis in hopes of collecting on old debt claims that have been charged off by the original creditor.
Our approach to defending lawsuits filed by Asset Acceptance is twofold. First, we defend the case based upon a lack of legal sufficiency. In general, when a party files a lawsuit in Pennsylvania, there are several points of proof that need to be placed in the lawsuit. In other words, facts must be established that tend to prove that you had a credit account, that you defaulted on it and that Asset Acceptance has the right to sue you and collect on the alleged debt.
In my experience, I have found that the lawsuits filed by Asset Acceptance are usually legally insufficient. We object to these lawsuits on insufficiency grounds with great success.
In the event that Asset Acceptance is able to cure the legal insufficiency objections, (this occurs very rarely) we then move on to defending the claim on its legal merits, i.e. whether you actually had the account, whether you actually defaulted on it, when the alleged default occurred, et cetera.
Our firm has a great deal of experience in defending credit card collection cases. We successfully defend approximately 40 collection agency cases each month. If you have been sued in Pennsylvania by Asset Acceptance or another collection agency, our firm can help you defend this claim at minimal cost, with a great chance at success. Contact our office here, or call me at 412-823-8003.