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I received two letters yesterday from Asset Acceptance. Both were settlement offers on old Providian Bank cards that are at least 14 years from DOFD. Asset Acceptance was subject to a FTC settlement in January 2012 that requires them to disclose that a debt is time-barred if in fact it is. There is no such disclosure in these letters. My question is this: Is there a right to private action against Asset Acceptance for a violation of the FTC settlement? Here is the link to the settlement: http://www.ftc.gov/opa/2012/01/asset.shtm
