asset acceptance

Asset Acceptance LLC Filed Lawsuit against me, served me by substitute of service, said left on doorstep, and won default judgement against me due to

31st of Aug, 2011 by User167081

I seriously need help or advice. I recieved a default judgement in mail in favor for Asset Acceptance for 17000.00 and intrest law fees and interest from County Clerks office. I didn't even know about lawsuit, never served, and SOL has expired form original lender. I don't even know this "so called lender," who is not a lender but JDB and now they have sued me and won default judgement set against me............and I never knew about lawsuit to begin with. I'm trying to file motion to vacate this judgement and motion for new trial, so I can appear and fight this judgement. I have limited financial resources for a lawyer, and desperately need some assistance. I have original contract and dates of loan and promissory note to original lender of loan they are claiming to have bought from original lender Beneficial Household Finance HSB, and no where does it state in promissory note or written contract that should they sell to a debt collector, that I am responsible to pay. It explicitly states in contract that " contract is final agreement between you and me and may not be changed by prior, current or future agreements between you and me." This loan was between me and Beneficial Household Financial and states "any changes to promissory note has to be in writting and agreeded upon between you and me and in writting." No changes were agreeded upon between both parties, lender Beneficial HSB and I. Next thing I know Asset Acceptance sued me, saying they bought this debt and they were the lender. "Need help!" Anyone experienced with this situation? I have 11 days to file motion to vacate default judgement. Please help if you have any knowledge of what I can do with limited funds for legal help. Thanks

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