In December Asset Acceptance sued me for a secured credit card account that I closed in June. My credit report reflects the accout was closed on that date. Asset Acceptance claimed I owed Household Bank more than $800 for a secured credit card that had a $250 limit.
The only verification of the original card agreement it produced was a Household brochure dated 2002. Asset Acceptance continued to harass me through the court system even after I filed a motion for relief from judgement and said in writing I do not owe this debt and mailed a copy to Asset Acceptance. Asset Acceptance put a different account number on this closed account and posted it on my credit report as if it was a separate account with Household.
Asset Acceptance got a default judgment against me for "failure to appear" at pre trial, even though I WAS there on that date. I've not been told by either the mediator or anyone else how or when to present my evidence to the judge, and I never saw the judge who entered this default judgment. I can't afford a lawyer and because of this I don't believe I received due process.
I have filed a complaint with the FTC.
Any advice would be appreciated.
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