About a year ago, I got a letter in the mail from a Law Firm in San Francisco called Peck & Ray, and inside stapled to the envelope was what appeared to be an official document from the court with a box checked default judgement. I was the defendant and Asset Acceptance was the plaintiff. First of all, I never received notice to appear in court, and it appeared the case was filed sometime in last year. I wrote the lawyer, trying to validate the debt, but received a letter back saying that they had wrote a letter to me in... read full review »