Does anyone have any experience dealing with American Acceptance, LLC? They buy credit card debts to

I am suspicious because the woman who called lied about sending letters to an old address and I wonder if most of what she said was a lie.

I am a 72-yr-old woman, living on Soc. Sec. %26amp; a $270 pension. I had to move from CA to No. NV to live on that, away from family %26amp; friends. I fell behind because I couldn%26#039;t work after I

I had a stroke, but I tried to pay my debts through a consolidation co. However, it didn%26#039;t leave anything for emergencies, and I had to stop. This company said a $3,600 debt had grown to $44,000 in the 12 yrs since I paid anything, and it was in the hands of a lawyer who was going to attach my pension. They wanted $2,200 immediately to settle it. I paid $200 that week from Mother%26#039;s Day and birthday gifts, but would have to borrow $2,000 for the rest by 6/6. My questions: Since I didn%26#039;t receive any letters or calls, can a lawyer attach my pension? Is a debt this old even collectible? Is a pension attachable with my financial circumstances? Hope you can help.

Does anyone have any experience dealing with American Acceptance, LLC? They buy credit card debts to collect.

You shouldn%26#039;t have paid anything. Now you might be back on the hook for the whole amount because you acknowledge the debt by making a payment. The amount of time to collect a debt is SEVEN years, no matter what lies a collection agency might want to tell you. After seven years of non-payment it must be wiped off the consumer%26#039;s credit report and no further action can be taken.

BTW, after thinking about it you should just tell them to take a hike. Your pension cannot be attached (think OJ Simpson) and you are on a fixed income. Any lawyer worth anything wouldn%26#039;t come after you because you have nothing to attach.

Rest easy, nothings going to happen.

Does anyone have any experience dealing with American Acceptance, LLC? They buy credit card debts to collect.

Dear Friend,

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All the best

Does anyone have any experience dealing with American Acceptance, LLC? They buy credit card debts to collect.

I WOULD THINK THAT WITH A PENSION IT IS JUST LIKE SOCIAL SECURITY, THAT IS MONEY YOU HAVE EARNED AND THAT THE GOVERNMENT GIVES YOU BACK. I DON%26#039;T THINK THEY COULD. BUT, I AM NOT A LAWYER, ALTHOUGH I TOO HAVE MONEY COMING FROM THE GOVERNMENT BECAUSE I CANNOT WORK. AN I BARELY MAKE ENOUGH TO SURVIVE ON AND I HAVE CREDITORS TRYING ALL THE TIME TO TAKE ME TO COURT. BUT, THE ONE TIME I DID GO THE JUDGE TOLD THE CREDITORS THAT YOU CANNOT GET BLOOD FROM A TURNIP. AN SINCE IT IS MONEY I RECIEVE FROM THE GOVERNMENT TO LIVE ON THEY COULD NOT TOUCH MY MONEY. AN NOW I TOO AM LIVING DAY BY DAY AND FROM CHECK TO CHECK. I HOPE THIS HELPED EASE YOUR MIND A BIT, BUT LIKE I STARTED TO SAY EARLIER IF I WERE YOU I WOULD CONTACT A LAWYER AND AS THEM.

Does anyone have any experience dealing with American Acceptance, LLC? They buy credit card debts to collect.

dont send or give any money to any one. ! and no one can atach your goverment ss check. . i would go to your local welfare office and or ss office and explan this to them... nor can a creditor atach moneys from anyone on afdc..

Does anyone have any experience dealing with American Acceptance, LLC? They buy credit card debts to collect.

You should stop payment on the check your payment can be considered Acknowledgment of the debt. don%26#039;t pay anything onless you see negative activity on your credit report

Does anyone have any experience dealing with American Acceptance, LLC? They buy credit card debts to collect.

Take this information to the attorney generals office, the districct attorney, or a tv investigative reporter. Hope this helps. Dont pay anything until you check this out . Have an advocate for the elderly help you........bettyk