Encore Capital Group Debt Collection Complaint

Encore Capital Group Debt collection department,

Credit card Cont'd attempts collect debt not owed Debt is not mine Wisconsin

continuation to Case number : - : Asset Acceptance/Encore answer - with my dispute : Their Answer : Please note that the last payment towards the - account was on -/-/- for $94.00. AALLC 's business records indicate that the suit that was filed against you for the - account in -/-/-, within the applicable statute of limitations period. No judgment was ever obtained in this suit, and the suit was subsequently dismissed. The above-mentioned account was closed as the Statute of Limitation had expired and there is no longer a balance due and owing. My response to dispute this noThe suit was dismissed per the Judge - to state I made a payment for $94.00 on -/-/- is another misrepresentation:1. ) - The judge teleconferenced the paralegal with Asset Acceptance and had asked for documentation showing I made this payment ( which would have the only thing that would have restarted the Statute Of Limitations on this account ) and she said they do not have anything - no statement - no bank that it was paid from. 2. ) Then the question arose if the minimum payment due was $200.00??? why would I make such an odd payment


the statement dated -/-/- was for the month of -/-/- and it shows no payments made that month. 5. ) The other attachment only shows that I had a balance at that time. 6. ) The - attachments were the only items the Plaintiff provided in this case - along with the sale from -. 7. ) It was dismissed twice - once from the Court Commisioner and once from the Judge as there was no burden of proof whatsoever that $94.00 was paid so start over the SOL. 8. ) Asset Acceptance has been on trial for numerous misrepresentations to mislead and falsify information to the consumer and in laymens terms - The tried every which way in the 4 times they took me to court. 9. ) The judges final question to me before his decision was Why do I think I should prevail in this case? '' and I stated Because the law is the law and they are breaking it right here in court. 10. ) This was clearly a time-barred account that information was misrepresented in order to collect time-barred debt. 11. ) Lastly - their Attorney from - : Approached and followed me to the entrance the first 3 times in court stating that All you need to do is just pay $50.00 now and then just $50.00 or $75.00 a month - whatever I could afford and they would give me a great settlement. The meeting with the court commissioner - - had set up a teleconference with the plaintiff for him give a statement and he would n't answer his telephone when they were called from the courtroom. Under FTC Settlement, Debt Buyer Agrees to Pay - for Alleged Consumer deception - - - - : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; using illegal debt-collection practices, including misrepresenting the character, amount and making false representations to collect a debt ; andfailing to provide verification of the debt and continuing to attempt to collect a debtThis is what Encore/Asset Acceptance did to me - 4 times to court- each time - miles roundtrip