James Turner Office Address Orlando Attorney James Turner Logo Orlando Attorney James Turner Phone
orlando overtime attorney


Attorney N. James Turner Can Help
Stop The Harassment!


Asset Acceptance is a collection agency operating from an address of 28405 Van Dyke Avenue, Warren, MI 48093. Asset Acceptance is a purchaser and collector of charged-off consumer debt and was formed in 1962. Asset Acceptance has 1,400 associates across 10 offices in nine states. 

According to PACER, Asset Acceptance LLC was sued 13 times in the United States District Court, Middle District of Florida, no less than 13 times for violation of the Fair Debt Collection Practices Act. So far in the calendar year 2013, Asset Acceptance LLC has been sued not less than four times under the Fair Debt Collection Practices Act just in the Middle District of Florida. 

In Phillips v. Asset Acceptance, LLC, 2013 U.S. Dist. LEXIS 52600, decided; April 12, 2013, consumer-Phillips sued Asset Acceptance LLC for violations of the Fair Debt Collection Practices Act. The relevant facts were that Asset Acceptance is in the business of purchasing defaulted debts from businesses and then seeking to collect those debts from the debtors. On December 15, 2003, Phillips defaulted on a debt owed to Nicor Gas Company for the purchase of natural gas. On or about October 2, 2007, Asset Acceptance purchased Phillip's debt from Nicor Gas. On or about August 25, 2009, Asset Acceptance filed suit against Phillips in the Circuit Court of Cook County, Illinois, to collect the debt. Consumer-Phillips raised the statute of limitations as an affirmative defense on October 23, 2009. Asset Acceptance voluntarily dismissed the suit on December 17, 2009. The parties agreed that a collection suit accrues when the underlying account becomes delinquent, and therefore that Nicor Gas's collection claim against Phillips accrued on December 15, 2003. The parties further agreed that Asset Acceptance, upon purchasing Phillipa's debt from Nicor Gas,stepped into Nicor Gas's shoes for purposes of the accrual date. The parties disagreed, however, about the applicable statute of limitations for the collection suit. Phillips contended that because natural gas is a "good" within the meaning of§ 2-107 of the Uniform Commercial Code and that Asset Acceptance's collection claim was subject to the four-year statute of limitations imposed by§ 2-725 of the UCC. Asset Acceptance responded that because the UCC does not apply to utilities, its collection claim was subject to the five-year statute of limitations imposed by735 ILCS 5/13-205for actions on unwritten contracts. Asset Acceptance filed its collection suit against Phillips more than five years after its collection claim accrued. The Court found that the suit was untimely regardless of whether the limitations period is four or five years. 

In trial from Polk County, Florida, in November of 2012, Asset Acceptance, LLC attempted to prove standing by offering an apparent Receivables Purchase Agreement between GE Money Bank Sales Finance and General Electric. The Court held that Asset Acceptance, LLC presented no binding authority that it had standing to pursue the case and the Court ruled in favor of the consumer. 

The most recent case that was filed against Asset Acceptance LLC in United States District Court, Middle District of Florida was filed in January of 2013 and was brought by Donald Kovaleski, Jr. for violations of the Fair Debt Collection Practices Act for communicating false information to a credit reporting agency by adding charges that were not expressly authorized by the agreement creating the debt. Case 8:13-cv-00240-JDW-TBM. 

If you are being sued by Asset Acceptance, LLC or its representatives, or are suffering debt collection abuse or harassment at the hands of Asset Acceptance, contact me at (888) 877-5103. 

Are you being sued by Asset Acceptance, LLC? 

If you are being sued by Asset Acceptance, or are suffering debt collection abuse or harassment at the hands of Asset Acceptance, contact me at (888) 877-5103 for a free consultation.


Contact Debt Collection Defense Lawyer, N. James Turner at The Debt Relief Law Center by Calling Toll Free 1.888.877.5103 to Schedule a Confidential and FREE Legal Consultation.

Orlando Debt Collection Defense Lawyer, N. James Turner proudly serves the Debt Collection Defense and Consumer Rights legal needs for residents of Orlando, Kissimmee, Orange County, Osceola County, Seminole County, and throughout Central Florida.

 About Jim Turner

debt collection defense


Read More

If you are dealing with a situation in which you, as a consumer, are not being dealt with properly in a consumer related transaction or circumstance, find out what your legal rights are. Seek the advice and representation of experienced legal counsel.

credit card debt defense


Read More

Every day those with credit card debt are harassed by a number of collection agencies that commonly use unethical and sometimes illegal means to attempt to collect debt.


student loan debt defense


Read More

Higher education is an investment in one's future; and it can be expensive. If you are being harassed by student loan creditors or debt collection agencies, find out what your legal rights and options are. Make sure your are informed and your rights are protected.

Debt Collector Harassment


Read More

Being harassed by creditors or debt collectors is illegal. There are both State and Federal Debt Collection Laws that exist to protect the consumer from harassment and other illegal activities by collection agencies, their subsidiaries, and third parties.

Credit Report Repair


Read More

We will investigate your credit report error and make sure that the error is corrected. we will dispute the item, insisting that the information furnisher produces evidence substantiating the error or removes the item.


bankruptcy attorney


Read More

Bankruptcy is a mechanism of the Federal Government to allow debtors (people who owe money) to restart their lives when they have gotten into a financial dilemma where there is no reasonable way to repay the debts they owe.



Read More

Orlando Consumer Rights Lawyer - watch these informative videos about consumer rights in the financial services industry.


frequently asked questions


Read More

We answer some of the most common Debt Collector Harassment Question that we hear on a daily basis.




Read More

Si usted es una de las millones de personas acosadas por un cobrador de deudas desaprensivo, la ley está de su parte. El Acta de Prácticas Justas Para el Cobro de Deudas, regula las prácticas de los cobradores de deudas y les impone sanciones que rompen las reglas.



Attorney N James Turner


Orlando Consumer Rights Lawyer - providing aggressive and affordable professional services to consumers who have been victims of Debt Collector Harassment by debt collectors and Medical Debt, to residents in Orlando, Kissimmee, and throughout the Central Florida Area.

Read More


Home | N. James Turner | Contact Us

Debt Collection Defense | Collection Harassment

Credit Card Debt Defense | Student Loan Issues

Identity Theft Issues | Garnishment

Wrongful Repossessions | Collections Lawsuits

Medical Debt | Bankruptcy

Debt Collectors | Deceptive Business Practices

Fair Debt Collection Practices Act (FDCPA)

Florida Consumer Protection Act (FCCPA)

Espanol | FAQ | Testimonials | Video | Articles


Orlando Attorney N James Turner IMG1





Attorney N James Turner IMG2

Lawyer N James Turner Logo

© 2020 N. James Turner, Attorney at Law.

All Rights Reserved. DISCLAIMER: The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask the lawyer to send you free written information about their qualifications and experience. This website has been prepared for informational purposes only and not as legal advice. Neither the transmission, nor your receipt of information from this website creates an attorney-client relationship, which can only be formed in writing between you and the attorney you choose to represent you.