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Toll Free 800-925-7050 Ext.
LOCAL: 586-939-9600
LOCAL OFFICE: Warren, MI

First Notice

RE: HSBC BANK NEVADA N.A.
Original Acct#:
Asset Acceptance LLC Acct#:
Balance Past Due:

Dear Sir,

It is our please to welcome you as a new customer of Asset Acceptance LLC. Your account with the above mentioned creditor has been purchased and is now owned by Assert Acceptance LLC. In order to insure proper credit for any payments it is necessary that all future payments and inquiries be made to:

ASSET ACCEPTANCE LLC
PO Box 2036
Warren, MI 48090-2036

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.

THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Sincerly,

James Aaron - Phone: Toll Free 800-925-7050 Ext.
Debt Collector
Asset Acceptance LLC

We may report information about your account to credit bureaus.


ASSET ACCEPTANCE LLC
A DEBT COLLECTION COMPANY
PRIVACY POLICY

ASSET ACCEPTANCE LLC recognizes the necessity of keeping our information about you secure and confidential. This policy concerns Customer Information about you, which means personally identifiable information about you and your relationship with ASSET ACCEPTANCE LLC. This policy applies to you whether you are a current or former customer of ours, unless and until you receive a new privacy policy from us. This policy is provided to you as required under the Gramm-Leach-Bililey Act, 15 U.S.C. 6801-6810. You may have additional rights under applicable state law.

INFORMATION SECURITY. We restrict access to Customer Information about you to those employees or service providers who need to know that information to service your account(s). We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your Customer Information. Whenever we hire other oganizations to provide support services, we will require them to conform to our privacy standards and to allow us to audit them for compliance.

COLLECTION INFORMATION. We obtain Customer Information about you as permitted by law from: applications or other forms you have filled out; your transactions with us, prior owners of your account, our affiliates, or others; and consumer reports (including credit reports). This information includes your name, your address, your social security number, your current and former employers, your payment history and your account balances.

USING INFORMATION IN CONNECTION WITH THE COLLECTION OF DEBT. If we want to use any of the Customer Information we have obtained about you in connection with the collection of debt, we can only communicate that information with your express permission, or with the express permission of a court, or to you, your attorney, the creditor to whom you owe the debt, that creditor's attorney, our own attorney, or as otherwise permitted by the federal Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. You don ont have to do anything in order to limit our use and sharing of your customer information in connection with the collection of debt.

USING INFORMATION FOR OTHER PURPOSES AS PERMITTED BY LAW. If we want to use or share any of the Customer Information we have obtained about you for some purpose other than the collection of debt, we can share that information as permitted by the following laws.

* The Gramm-Leach-Bliley Act allows us to share Customer Information with non-affiliated third parties in certain circumstances such as with companies that provide services to us or that help us administer to your account, in connection with the sales of our business assets, and if the sharing is necessary for us to be in compliance with law.

* The Fair Credit Reporting Act allows us to share certain information other than credit report information with debt purchasers affiliated with us.

* The Fair Cedit Collection Practices Act allows financial institutions and other businesses to share basic information concerning individuals locations with each other for limited purposes ("skip-tracing"), and ASSET ACCEPTANCE LLC both initiates and responds to skip-tracing requests as permitted by law.

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