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.
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.
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