Received a notice in April from a company called Asset Acceptance LLC. They state that they have aquired a debt from CitiBank. They claimed the debt amount was $11,744.04. The orginal debt before it was charged off on July from CitiBank was $8033.10.
I tried to get validation of the debt, and verify the actual amount from the original debtor, and make sure they legitmately own the account. I was not going to send money to someone who says I own them money without any proof!
They then sent a letter stating that I agreed to make payments. I did not agree to anything, and the only thing I wanted was proof that they owned the debt.
Six months later they hired a lawyer. This lawyer filed a civil suit with the court. They stated that they had hired a professional process server to give me the court summons. I never was served, and I didn't hear anything about the suit until after the case was heard, and a default judgement was awarded. The lawyer made damn sure that I would not be able to respond to the lawsuit in a reasonable manner.
The were eventually awarded $13,417. I then filed a motion to have the default judgment vacated. The main think I want to bring up to the judge is that the debt was never validated. I never owed $11,000 to CitiBank, so where did there figure and interest rate come from.
Asset Acceptance LLC just wanted to find any way to extort money.
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