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I received a letter saying I owed $1917.20 for a debt to Bally Total Fitness.

I have never had a Bally membership. I have been the victim of identity fraud in the past but through clearing up those troubles about 10 years ago, Bally was never listed at any of the reporting agencies as debt for me band or otherwise.

I called and spoke to a man with a very thick East Indian accent who's name, he said, is David Jackson. Mr. David said this is a bad debt from 1989, today is November 17, 2011, and he was willing to let me off the hook for a greatly reduced settlement of the debt. I would even get a letter stating 'Zero Balance' woo wee.

David said if I insisted on challenging this debt, I would have to get a police report alleging identity theft and send him a copy of that report.

I asked for a supervisor who said I could send a letter with all my information and 'be sure to include your signature'. Feels like a giant load of *** to me.

I'll wait for them to post it on one of the credit bureaus and I'll dispute it, then they have to prove it was me or take it off.

These guys look really shady.

Monetary Loss: $1917.

Location: Denver, Colorado

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Guest

Even if you DID have a debt from 1989 from Bally Total Fitness, the debt is over 20 years old. NOTHING stays on your credit report for that long, not even a mortgage default.

The longest anything can stay on your credit report is 15 years (given that you have made no payments along that way - payments "reset" the clock on debts) and even that is rarely heard of. The usual maximum is 7 years and this is true for credit cards, auto loans, etc. The reason why they're offering you this "low" rate is because you no longer owe money. Your debt has been written off, it is no longer on your credit report and they think if they can fancy talk you into thinking it is, then they'll get some cash out of you.

Trust me, all these people care about is the amount of money they bring in each month. It's all a big game to them because they villianize you, the so-called debtor and consider themselves the saviors of the economy.

Just ignore them. They have no leg to stand on.

Guest

I actually negotiated with these idiots. DO NOT SEND THEM MONEY!! They buy junk debt and try to absolutely drive you nuts day after day which is illegal. I wanted to clear up my debt so I wired them money to take my debt off of credit report. I told them that I will NOT wire them money after the first time, but will send them a money order every month.

This company could not even cash a money order!! They are outsourced in India and have no idea what they are doing. Furthermore, they keep begging for a debit card or routing #. No way. Ask for validation of dates of service and a breakdown of how the debt was incurred. Ask them to includes the dates of service as well as description, and charge for each item obtained or what is interest. Get a certified letter so you have a receipt. If they do not respond, mail the receipt and a letter of explanation to the creditors and report them to the bbb.

The bottom line is, they need to be shut down. Mr. Jon Dobson, what is your real name and why are you so mean????

I hope this helps, good luck!!

Guest

I just got a check from them. I have never done business with them and i call they dont have me on file. whats us

Guest

it was for my mother in law who has passed away back in November saying it was for Citibank/Home depot and the total due is $442.49..my mother in law didn't have any credit cards or anything from Home depot.

Guest

Folks, there is a statue of limitations of 5 years, especially in Florida if they did not file any claims within that time they can go fly a kite. Do not even pay a dime towards this , that resets the dates and THEN they can file suit and damage your credit.

Any judge that gets this will throw out the case.

Then sue THEM for any cost you incurr. Look at your public records locally and see how many times assest acceptance has had to withdraw their claims....numerous they prey on those that do not knowhow to defend themselves

Guest

I am having the same exact problem, they are saying I owe them 306$ from I don't know what account - they said Victoria Secret.

I will follow the advices and ask them to prove it and go from there.

We should stop this guys! no matter what...

Guest

Seeking witnesses for claims we are making against Asset Acceptance.

Blankenship Harrelson, LLP

Attorneys Representing People

www.bhattorneysllp.com

(205) 912 ****

Guest

I had the same issues about an account that I didn't recognize. The account was allegedly opened in the 90'.

After sending an official letter requesting evidence that support the claim, Asset Acceptance sent a letter within a week resetting the balance to ZERO and closing everything.

Good luck out there and take the time to write back.

Guest

Going through same problem as you right now. Investigate the subtle difference between Bally Total Fitness, the gym, and it's affiliate Bally Total Fitness Holdings.

They, themselves are a debt collector who may have bought a debt from another agency. Might not pertain to your case, but worth a shot. Also just sent AA Certified requesting validation for everything. Either they have evidence (which they can't) or they don't.

Also, prevent the hassle and request that they never contact you via phone. That way if they call, file suit. Dont ignore them. They dont want you to defend yourself.

See what they have in their hand, which they need to provide to get you to pay.

If they can't, contact your AND Michigan's state BBB and AG and file a complaint. Be swift, time is not on your side.

Guest

No, reverse the process and tell THEM to prove the debt, in writing, including dates. Then you have something to complain to the credit bureaus with.

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