Encore Capital Group Debt Collection Complaint

Encore Capital Group Debt collection department,

Other (phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Florida

I have a collecton company illegally and in fraud ( Asset Acceptance LLC, - - - - - - for last 6 yrs ( signature debt expires in 4years in --but i had a loan from - finannce for a large amount signture loan no collateral- like revolving signature loan- the loan had insurance to payoff balance owed in case I lost my job which in effect occured-they collected the insurance_I had paid $12000.00 in insurance premiums over a two-three years that I had the loan. At the time I lost my job the balance owed and covered by insurance was about $6200.00 which they collected the insurance after they had me fill a formal claim for thir own insurance ( - itsef was the insurer ) signed and claimed local - office - - ( office closed about 5 years ago they did not credit the account correctly because we had dispute because they required that I go personally to a local - State unemployment office to have the unemployment office issue a letter-The - Syate unemployment bureau had closed all offices and did not issue or have any means for people to have a letter issued tothe effect


of - from an original loan amount of $ - no contract to that effect or anyother with - or --the insurance stated that if I was incapacitated or that if I lost job balencae would be paid- while the dispute was ongoing they sold the account to a third party who in turn sold it to a the above - collection agency Asset Acceptnce LLC based in - -- who have been hounding me for last 6 years- way over the statute of limitations for The State of - for signatur loans and trying to collect a debt that was paid off by insurance to -_ I have sent them a few certified letters to effect thatI did not contract anything with them ( Asset Acceptance LLC and thatI had no debt with them and that they produce under UCC or contract law evidence of my debt with them in way of a contract or other negotiable instrument that I may have signed in their favor-they did not produce any documents-I gave them opportunity to come up with evidence or else underStatute of frauds they owed me the amount claimed as required by UCC or else under staute -my house has been vandalized and dociuments I may not have but I may have an old compuer fil with copy of a couple of the letters sent to them- The collection agency has continued to send a letter about - every two years -which I believe is also illegal since I owe them nothing and they have accrued the balance to - which I dont owe-i have sent letters to credit bureau in -, experian notifying thm of this and they have etc and no reply and no resolution I need this to be resolved - i will at ths moment remind this agency that I did not take loan withtham and that I paid off the balance of - from $42000.00 to a balance of $6200.00 and that thats small balance was paid by the unemploymnt '' insurance - finance forced me to have as a condition for the loan- I owe nothing then and owe nothing now The collection agency is Asset - - Michigan they dont show an address on their letterhead just a - - - - toll free [ hone number ( - ) - ext - i never had account with this entity and they have created an accoutn infraud number - I have never signed or consented tacitally or explicitly toany oral or written contract either to effect that I owe them anything thanks for Your help - - - - - - - - -