I need some detailed help. I am being sued by Asset Acceptance (server last week). It's a credit card debt. It's from when I was younger and I know the last time I made payment was before Y2K because I lived in NY at the time (now FL). So it's been nearly about 6 years if not longer from last payment. They say Oct which I know I never did.
With that said they served me saying I owe over $5K including the interest. I'm sure they have bought this debt from another agency... I think. I did get some letters from Asset for a few months, but threw them away since I never heard of them. They have included (3) different Bills of Sales from one debt collection agency to another (so it appears). They are all photocopied and simple with date sof 2003 and 2006. A few of them say they transfer bought all debt and rights to interest.
I checked by Credit Report where I see Assest listed starting a few weeks ago. I do not see the original credit card. My scores are now at 700 compared to 450 just a few years ago. The last thing I need is for this to come back again.
So... I think they have falsified dates and past the SOL.
I see many different arguments about SOL in FL. Remember... I opened this acct in NY back in 98, but moved to FL in 99 and still living here. Which SOL works? I was served in FL.
What is the step by step for me to get this dismissed?
1. SOL? What is the SOL in FL (4 or 5)
2. Ask for proof of ownership, debt and how much they bought debt for?
I see much good info on this site... But it's all garbled. Can someone make it simple... Step by step starting at my summons to appear. What do I do now besides show up.
Thanks!
Johnny
Saint Pete, Florida
U.S.A.
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