Asset Acceptance LLC/ Remove judgement from credit record
Date: Wed, 03/23/2011 - 06:56
I remember receiving paperwork about this debt from Asset Acceptance, and remember sending several certified letters to them (as well as the courts)asking for confirmation of this debt. I remember going back and forth with them two or three times via mail because they did not provide me with the information that I requested.
Fast forward to now, where I want to purchase a house and see that there is a judgment on my credit record involving them....I do not remember receiving or signing for anything that came certified stating that there was going to be a hearing. I've called to court that has this judgment against me and have asked them to forward this entire file to me.
I seem to remember that this was credit card debt from a really long time ago and remember that I thought that the statute of limitations had run out in it, that's why I was fighting it with them. How do I now go about getting this off my credit record? I realize I need to vacate the judgment, but am a bit unsure how to proceed at this point. All of my credit report is cleaned up except for this one item. Please advise, and thank you!
Any item will remain in your credit report for the next 7 years.
Any item will remain in your credit report for the next 7 years. If the SOL period is over, then you won't be liable for paying off anything to Asset Acceptance. As far as vacating the judgment is concerned, you need to contact an attorney and take his/her help in this matter. Once you vacate the judgment, you can contact the credit bureaus and may be able to remove the negative item from your credit report.
Hi! Welcome to the forums! Anna is right. Judgment stays on cre
Hi!
Welcome to the forums!
Anna is right. Judgment stays on credit report for 7 years. You'll have contact Asset Acceptance regarding this issue. Go through the files you receive from the court. Check the status of the case. If judgment has really been issued, then you need to pay it off. Once you have paid off the judgment, you can request Asset to update the account status on your credit report. You can also request them to remove the judgment after that.
Did you answer the summons or just send a DV? Once a summons is
Did you answer the summons or just send a DV? Once a summons is issued a DV is moot.
Sounds like you did not show in court...thus they got a default judgment. They dont tell you when the court date is...you have to do the follow up with the court. Judgments in Ohio last 21 years and have a 12% interest rate.
Hiring an attorney wont help you at this point. You didnt show up to fight the case. You will need to pay it.
It sounds like the OP never received notification of the suit.
It sounds like the OP never received notification of the suit. If that's the case, I agree that you should consult an attorney to try to get the judgment vacated.
Assett Acceptance case dismissed in Ohio
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