Credit Repair - Self Help

Here is a copy of the letter I am sending to Asset Acceptance:

“In response to your  settlement offer / dunning letter dated 6/06/2008. I am not familiar with this debt, I request that you validate this debt and provide information that proves this debt was in fact incurred by me and that you are entitled to collect this debt. In response to your attempted validation, that I had not requested at that point, that was sent on 6/11/2008. This is not proper validation of a debt in accordance with FDCPA and Texas Finance Code Chapter 392. Please provide proper validation. Be advised that your company has already violated certain laws contained in the Texas Finance Code Chapter 392 and the FDCPA by having one of your customer service reps threaten to report this to the credit reporting agencies if I did not submit payment and settle this account. This is coercion and is against the law. If you insist on attempting to further collect on this debt that appears on the surface as being beyond the statute of limitations for collecting in the State of Texas, then I will continue to rack up the violations of both State and Federal Law against your company and sue if necessary. I prefer all communications to be via mail, if you chose to contact me through the phone, be advised that all phone conversations will be recorded and submitted to my attorney.”

Sincerely,

Me

This ought to be enough to get them off my back. I have leverage because it is past the statute of limitations. I am kind of hoping they rack up violations so I can sue them.