October 2009 These bottom feeding bastards will not leave me alone! They have threatened to garnish my wages (which is illegal in NC) and/or take me to court. I sent them a debt validation letter in 2008 and they responded with a copy of all the paperwork we had signed at the dealer when we bought the vehicle. I don't know if that counts as a proper validation but it got them off my back for a while. Now they have started calling again and the guy is very rude. He told me that he just could not fathom why I thought I didn't owe them the money they are trying to collect. The original loan was written off by the finance company. I'm not sure why they think I owe them a dime. They are ruthless, cold-hearted people. I'm sending my do not communicate letter tomorrow.
October 2009 I keep getting calls from someone from a office called AIS (Asset Investigative Services). When asked for a website or an Address they would not provide that information. They also said a Civil matter is being filed against me. I asked for the attorney's contact information and they still would not provide that information.
August 2008 they put a collection account on my credit bureau reports without even contacting me with the legally required notice. I was not able to even dispute the debt they just posted it on my credit report. I am filing complaints with the ACA and California Association of Collectors, and the DOC in California.
August 2008 AIS services purchased an old debt 3 years after it had been PAID IN FULL. How on earth can a company purchase a debt and list it on your credit report that has been paid? We found it on my husband's credit report after ordering our annual free credit reports this spring. I collected receipts and proof that this debt had been paid. It was sold to AIS in California by a collection company in Georgia (who acknowledged we had paid them back in 2004!), but they sold it to AIS anyway. How illegal is that? Very! When I asked AIS for a letter stating that they had taken it off of our credit report and a chain of title to see when they bought it and from whom, etc., they would not answer me, would not send me any information.