Long story short. In 2003 bought a motorcycle, was in accident. Grandfather said he paid it off. Never checked on it. Never heard from credit company or collectors. Pull credit report and there is a judgment under public records for asset acceptance llc. Called courthouse they said default judgment was issued 4 years ago in 2004. Told them I never even knew I was being sued. They said I was properly served because NJ law states they had to mail the notice via certified and regular mail at the same time. The address they gave I hadn't been at in over a year. Grandfather was initially named in suit, but then dropped. He is now dead so I can't find out if he paid them to drop the suit and they just continued the case against me. Is there any grounds I can have it vacated? I didn't live at the address they sent the notice too. If I owe it, I will pay it, but just want the public record to be gone. Thanks
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