Asset Acceptance LLC Judgement on Credit Report Warren Michigan

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

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.

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.