Average utility debt: $800. Utility debt from electric, gas, water, and internet bills. State public utility commissions regulate billing practices. Many states prohibit disconnection during extreme weather.
Common Asta Funding Violations
Purchasing and collecting severely aged debts
Failing to disclose debt buyer status
Adding unauthorized post-charge-off interest
Utility Debt Dispute Strategies
1
File complaint with state Public Utility Commission
2
Request billing audit and meter verification
3
Apply for utility assistance programs (LIHEAP)
4
Dispute estimated vs actual billing
5
Challenge reconnection fees if disconnect was improper
Tips Against Asta Funding
Asta buys very old debts — SOL defense is your strongest tool
Never acknowledge the debt verbally or in writing
If contacted about debt older than 7 years, it shouldn't be on your credit report