Can someone walk me through validating a debt?
When it rains, it pours.
I was on my way out the door this morning to go to court to file a motion to set aside a default judgement on one lawsuit when I nearly tripped over a new summons.
Asset Acceptance LLC apparently bought 2 accounts with my name on them and lumped them together into one lawsuit.
Count 1: DTE Energy, last date of payment 5/2004, which is when I moved out of the residence. DTE later took over ConEnergy. I owed ConEnergy when I moved out, DTE was paid up, so I need to find out if my ex-roommate owes me on this one. I'm not too worried about it, as it's only $200.
Count 2: ACCC. I have no idea who this is. It's a 16 digit account number, which would be a credit card, but none that I've ever heard of or used. There's also a last payment date of 10/2002, which is impossible because I worked for Starbuck's at the time and couldn't pay anybody anything. Could ACCC be another collections agency who bought a credit card account, added a crapload of interest, and then sold it to Asset Acceptance? I'm thinking this 10/2002 date is a bogus way to keep it within the SOL so they could add it onto the suit and push it out of small claims.
So please, step by step, with as much detail as you would give a three-year-old, how do I go about validating a debt? I am completely naïve in this arena and am already stressed out enough over lawsuit #1.
Thank you in advance.
: - j:confused: