Asset Acceptance LLC Judgement on Credit Report Warren Michigan
I am seeking advice on a judgement on my credit report from Asset Acceptance LLC. Recently, I applied for a loan. The loan officer pulled my report. Listed was a judgement from Asset Acceptance LLC. I decided to pull my up the report from the three major reporting companies, Experian, Equifax and Transunion. Experian and Equifax are the two companies listing the judgement from 01/2004.
I spoke with Larry at the Michigan office who quoted my debt is over $1500.00, initially was $1400.00. I found a letter from Asset Acceptance from 2008 offering me to clear the debt for $308.00 by 12/08. The letter stated it might be possible to extend the deadline under certain circumstances. I contacted the person who's name was on the letter, Fred Burke. Mr. Burke was difficult to work with. Once again I called the company to speak with Larry.
Supposedly they received the account 9/18/03. The date I was served, according to Larry, was 9/23/03 by the Essex County Sheriff dept. The judgement went against me on 1/16/04. I called the Sheriff dept. who did an extensive search and found no record of me being served from their office. I then called The Superior Court Clerk Office in Trenton, NJ. Once again, no record found. I called the Civil Court in New Jersey, no record found. Finally, I called the Hall of Records court where they found a letter was suppose to have been sent to me by mail and someone signed to it.
I would like to have this removed from my credit report. I've read of several RIP OFFS by this company. I don't feel this judgement should remain on my report or should I have to pay when information needed to prove this account was bought by them from Providian is not supplied. Any help regarding this matter would be greatly appreciated.
The number listed above is the Coporate Office in Chicago, Illinois. Larry, Representative and Fred, Supervisor are at the Michigan Office in Warren....[866] 641-0744.
I plan to pursue this in any way I can. I was so happy to find your site. Hope you can help in this matter. If anyone have any information to assist me, it would be greatly appreciated.
Va'lois
Newark, New Jersey
U.S.A.
3 Updates & Rebuttals
Stacey
Dallas,Texas,
U.S.A.
Robert is correct
#4Consumer Comment
Fri, April 17, 2009
This is one of the worst bottom feeder collection agencies
go to www.budhibbs.com
He has a link to Attorneys who deal with these type of pond scum
I spent 5 days in court suing one of these bottom feeders, WON and guess what?? No payment yet - These losers want monies from you but when they are sued they do not pay!!!
Fight em - they deserve it
Stacey
Robert
Buffalo,New York,
U.S.A.
Additional info.
#4Consumer Comment
Fri, April 17, 2009
Just so you know, the FCRA stipulates how long something may remain on credit reports about you.
According to the FCRA, civil judgments may be on credit reports for as long as the statute of limitations for civil judgments in the state of the court that granted the award.
Example: The SOL in NY for money judgments is 20 years, so a civil judgment against you from a NY court may stay on credit reports about you for 20 years from the date the NY court granted the award.
My point is twofold. 1. You need to check the SOL for civil awards in NJ to determine when this item should drop off credit reports about you.
2. You need to have the judgment vacated to have the judgment removed from credit reports NOW. Robert gave you good advice. If SERVICE was improper you have grounds to have the court vacate the judgment. Once the judgment is vacated, you mail a certified copy of the vacating order to the 3 CRAs and they must remove it.
Good luck.
Robert
Irvine,California,
U.S.A.
Can we say Cha-Ching.....
#4Consumer Comment
Fri, April 17, 2009
Asset Acceptance is one of the biggest "Bottom Feeders". Generally the do what is known as "Sewer Service", in which the "serve" you at an address they know you are not at. This makes getting a default judgment very simple because you don't know to defend yourself. However, in your case it sounds like you already did some research and found that there may have been no service at all.
If they lied about the service to get the judgment against you they are in serious trouble. Not only can you get the judgment vacated, but you can turn around and take them to court sueing them for damages. In addition to this you may be able to write formal complaints to the State Bar in which they could be repremanded and possibly dis-barred.
You first need to get a copy of the suit including the "Proof of Service". If in fact it was forged/sewer service you can make a motion to have the judgment vacated. Once this is done then research your options as to any suits you may bring. A good debt collection attorney would love a case like this.
If everything is as it sounds do not pay them a single dime, and be sure that any communication with them is in writing only.