Don't Pay a Dime to LVNV in 2024
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- Опубликовано: 23 май 2021
- 🚫 DON'T PAY A DIME to LVNV until you watch this video. If they're trying to collect from you, there are ways you can get a better deal than they are offering by using better leverage. Find out how to get this leverage and use it to your advantage! (SEE MORE ⬇️ )
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⛑️ Want help dealing with LVNV and other debt collectors or junk debt buyers? Call us at 352-567-3173 for a FREE 30-minute appointment with one of our lawyers (Mention this "Don't Pay LVNV a Dime" video!) to find out how we can help you.
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I wished I had talked to you last month...I just paid them off in full. I am glad I have you on my side now.
Looking forward to working with you!
14th amendment
Due process for everyone!
You’re a Saint!!!! Thank you so much.
Happy to help!
This video is very informative & educating. Know your rights & know the laws of your state . The statue of limitations in the state of Ohio is 6 years regardless of what type of debt it is. I had a Sears cc I was making payments on it & one day I got a letter in the from midland credit . Which is a debt collector. After that I never heard anything after that . Your a 💯 % right about debt collectors.I do have a lawyer on my side. Just in case .
Well said
I won my case. Thanks for your help.
Glad we could help!
Great video. Thanks.
Glad you liked it!
I was sued by LVNV and went to court. Presented all the laws they had violated and the case was dismissed and removed from credit reports. LVNV then sold/gave/transferred the debt to another collection company.
Interesting. Are you in Florida? I'd love to review this case for FDCPA violations.
Edward probably can't give you advice unless he's a lawyer in your state.
What questions do you have?
What laws did they violate?
Whatever LVNV did in his case may not apply to yours. Check out our most recent video for how to look for vioilations.
That's exactly what they did to me too!
Thank you thank you !!!
You are so welcome!
Thank you
You’re welcome!
It was very informative
Glad you liked it!
I got caught in the trap before I became aware of my rights and options. Is there a way out of paying these people? In a several months, it will be moot b/c I'm going to retire and they won't be able to get my retirement. But I'd sure like to get free of their financial death grip before then.
If you've already got an agreement you're probably stuck. I wish you had found us before that happened.
I got a letter today from them about taking me to court I guess I better get ready!
If you’re in Florida, contact us right away.
@@RWlawFL I'm in Texas
In Texas, call Bill Clanton or Daniel Ciment.
This also works in british columbia with solicitors and barristers that email you for credit card debt and tell you that they will go to court?
Everything we talk about here applies only in the US. the Canadian legal system is very different from ours.
HI I JUST GOT A POST CARD / WHAT'S THAT ABOUT ? THANKS SO MUCH FOR ALL THE KNOWLEDGABLE INFORMATION . GOD BLESS YOU.
Without knowing who sent you the postcard, or what’s on it, I’m not sure I can possibly give you any useful information about what it’s about.
If you’re in Florida, reach out to us. ricardolaw.com/contact/
I'm out of the country but being sued in NY by this company. All the lawyers I've spoken to said their retainer fee costs more than what I'm being sued for and I'm not eligible for pro bono representation since I'm no longer a resident. And getting all of these documents internationally notarized and shipped is nearly the same as paying smh
If you’re being sued someplace you no longer live, that’s a violation. Call NY lawyer Subhan Tariq and tell him Mike thinks you may have a 1692i case.
Good Afternoon, this is Anthony Wright, my question is how can I get collection off my credit report. Thank you.
You’re allowed to dispute any credit report entry that’s inaccurate, incomplete, obsolete, or unverifiable. So first you have to identify how the collection fits into one of those categories.
Do you have a video on Case Management Conference?.
We don't, and I doubt we'll do one, since they will vary depending on the individual judge. Go watch a CMC involving cases hat aren't yours to see what happens.
If your are sued by an original creditor . how do determine if they have the proper Docs to make it a valid case against you? If so, what docs gives them leverage? statements? T&C?
Original creditors usually have the documents they need, because they're the ones that created the account.
Which documents they need depends on the specific claims they've sued you for. Usually they would need a copy of a contract, account records, and any other correspondence. Again, it depends on the specific claim.
Got a notice to sue letter from Mandarich Law Group LLP for a LVNV debt. Can you recommend a law firm in California?
I have learned a bunch from your videos so thanks for the content.
In California, give Mike Cardoza a call: www.cardozalawcorp.com/
You can also try Jay Rahimi: www.jrahimilaw.com/
Glad you like the videos!
@@RWlawFL Thanks for all the info.
You're welcome!
Plus I been sending Dispute letters to clean my credit report
How has that worked out for you?
I just recently looked at my credit report and saw LVNV I had not idea of a collection I Was able to dispute it on my trans union and they took it off as far as the other two credit bureaus it does not come off. Once I disputed it I got a text from a halsted financial (idk if it’s the same company) I’ve called to get more information but they give me nothing
I wouldn't trust a text message. Block, delete, report as spam.
I owe them only $641 and offered to pay in full if they would send a signed proof of removal but they said it’s against company policy
It’s against my policy to pay anyone who refuses to delete.
(There’s no upside for you here. Hold fast. )
@@RWlawFL thanks, I didn’t pay them because as soon as he said that I said bye because why give them money if it’s not gonna be removed. Guess I’ll have to just wait 2 more years
It might come off sooner if you can identify some way the reporting is inaccurate, obsolete, or incomplete-that way you can dispute it and they either have to correct it or remove it.
They are trying to sue me through a third party and have filled a law suit through the court house
If you're in Florida, we should talk right away: ricardolaw.com/contact/
We got a mediation zoom today. We're a little nervous not sure what to say.
That’s why it’s such a good idea to have a lawyer if you were ever taken to court.
Don’t agree to anything, unless you completely understand all of the ramifications of it.
If they make you an offer, you can always take it to a lawyer first and decide later, if you want to agree to it.
Quick question, I was sued and summoned by them how should I go about this process? When I have went through all 3 credit bureaus asking for validation of the debt but haven’t been sent any info on that
If your appendix ruptures, you see a doctor.
If you get sued, you hire a lawyer.
Don’t mess around with this. Treat it seriously.
Hi, I am dealing with several accounts that are in the lawsuit phase. I filed an answer with the court and mediation was ordered, the lowest amount they would settle for was 60% in mediation. Do you have any attorney that you could recommend in Colorado?
We're talking to a Colorado lawyer right now who may be interested in taking these cases. If so, we'll make sure to reach out.
Are they legally allowed to say you are on a pre legal track? Isn't that in violation of FDCPA since they can't sue?
LVNV sure all the time. So far in 2023 we’ve handled more LVNV lawsuits than any other junk debt buyer.
I fought with LVNV for about three years after proving that the account was a case of identity theft, they still tried to sue me. One day out of the blue I got a letter saying I was free and clear and the debt was not mine, I have held onto that letter like it was a golden ticket.
If you proved it was ID theft and they kept hunting you down, that's a violation of federal law You could have sued them for it, and put some money in your pocket.
If it's been less than a year, you still can.
@@RWlawFL agreed 100%, that was like 5 years ago so it's well passed the statute of limitations.
Now you know in case it happens again.
In Great britain
debt collection Agents
Get a CCJ against me and they Put a Second Charge on my Property .
So if i sold my Property
i would have to Pay the small claim
Unfortunately nothing on this channel will help you in the UK because this is only US law.
I recently received a complaint from them with a date to go to court
If you're in Florida, give us a call today to find out what we can do for you:
ricardolaw.com/contact/
Well i already screwed up! wish i had seen this before my case. If there's already a judgement is there anyway to get out of it?! I'm in Michigan.
You'd probably need a Michigan lawyer to tell you that.
I've begun getting e-mails and a dunning letter from LVNV stating my account has been purchased from Navy Federal in the amount of ~$17k
I'm convinced either my ex or someone made the majority of the purchases fraudulently but since the account was charged off 4 years ago and now sold I don't have access to what those charges are.
Can you recommend a good debt lawyer in Washington state?
I'm sorry that we don't yet have any good referrals for your state.
I have been getting letters from attorneys in Atlanta Ga saying LVNV has filed a lawsuit against me but I have not been served yet what is my next step? How do I stop this? Please help!
If someone filed a lawsuit against you, it's important to know exactly what's going on.
In Georgia, lawyer Steve Koval can set you in the right direction.
Call (404) 350-5900 and let Steve know we sent you.
Yeah I do have a problem with them. I stopped them from calling me and anyone else, but now they are spamming my credit report and have been for awhile now. I tried to dispute the debt, but somehow got it totally wrong and it was shown that it was in their favor. I don't know what I did wrong, but I need help.
Check out our newest video about removing collections from your credit report.
Sir, I live in Illinois and LVNV is seeking to get compensation. I need to seek answers as to how to proceed in this matter. I believe I need professional help. Can I discuss this with one of your attorneys?
In Illinois, call Hyslip Legal
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📫 Get five sample letters, detailed instructions, and almost an hour of attorney instruction on how to use dispute letters to crush debt collection:
rwlaw.mykajabi.com/crush
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📞 Get Florida help for Florida cases! Contact us here: ricardolaw.com/contact/
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I just got served papers yesterday in Washington state from LVNV. I have 3 separate ones on my credit but only one showed up so far with papers. They did change the date from which I last paid in their document and the page they sent of my transactions but I’m pretty sure that it incorrect along with the amount they are claiming. These are Also all opened in Maryland I now live in Washington state now for 5 years not sure if that matters.
You need to speak to a lawyer in your state.
Do you recommend calling and agreeing on a price before sending out a settlement letter? In California
I never recommend calling. Ever.
@@RWlawFL I figured. What percentage should I shoot for when paying off a $650 debt that’s over 3 years old.
Can you help me in Ohio? Currently have a pending settlement agreement for way more than I can afford they agreed to a complete deletion of the debt but in exchange for 70% of $1,134 and now I just recently noticed that they changed the amount on my credit report to 995 dollars not the original amount above that they sued me for and was reporting to the bureau's I somewhat agree to the settlement based only on the fact that it seemed as if the judge was validating everything they were saying and I cannot afford to hire a big attorney was a retainer that's bigger than the actual debt is there anyway you can help me with lvnv? December 2nd is the final court date to see if everybody has been in compliance what the settlement
We responded to your other comment. It’s against the law for us to provide legal services in Ohio, so there’s no way we can represent you. And because we don’t know how the court systems in Ohio work as compared to Florida, any advice we give you there is probably wrong.
If you truly can’t afford an attorney, look up your local legal services program and see if they have assistance for people in your situation.
I didnt know who they were. I ignored there law suite and i haven’t heard from them in a while. Not sure if they went to court or not. What do i do now?
>I ignored there law suit
Oh, no. You should check with the clerk of court to see what happened.
Are you in Florida? If so, reach out to us here: ricardolaw.com/contact/
They are still trying to pursue me from a debt before 2015 and trying to have me served as of last year
Served with what?
They are suing me now. They are plowing threw my lawyers. I need help. Somehow i found this video
LVNV is “plowing through” your lawyers? That’s extremely unusual.
Maybe you need better lawyers.
I have something on my report from this company! So I need to dispute and tell them to provide documentation that they likely won't have, right? What do I do after I dispute and they don't have it?
The dispute process is a whole different beast. We've got some videos about how to dispute, and what to say when you dispute, and why you should dispute. Please check out the rest of the channel!
@@RWlawFL thank you so much!!!
Do you have any help for someone in Massachusetts? Do you work in the state of Massachusetts?
We're only licensed oin Florida, and we don't currently have any contacts in Massachusetts.
I wish I had seen this video last week before I paid them a settlement! I’ve been watching your videos and searching “LVNV” and never came across this video! That’s horrible RUclips.
Anyway I paid 269 of a 671 balance and they said it would be deleted from my credit report but I will need to call back in roughly 3 wks.
I don’t have that time so I disputed it as “paid”… Experian updated the dispute in 3 days saying the balance is now 492 past due… not settled, not paid. So it seems like they may still pursue me for the residual balance?
I'm not sure why you don't have time, but it is going to take some time and all you're doing now is making things messier.
@@RWlawFL time is an issue because I am prepping to qualify for home purchase before the end of the year
Three weeks should be plenty of time for this to clear. Check back in a month.
LVNV Still refuses to remove the negative remarks from my credit report even though they did not fulfill the requirements of validating the debt and even went so far as to hire an attorney to pursue litigation against me, though I had written them a letter to cease their attempts to pursue this moot point. I even filed a complaint with the Consumer Financial Protection Bureau regarding them, but to no avail, the negative remarks are still on my credit report.
Validation has almost nothing to do with credit reports.
If your credit report is not accurate, dispute it. If the CRA fails to correct inaccurate information, sue them.
Complaints to the CFPB, as you've found, are useless.
My partner just got a mail from other lawfirms saying a lawsuit has been filed. What are the next steps i need to take ? Im in Houston, can you recommend me a lawyer if i need onw or should i just ignore the mail
Do not ignore.
In Texas you should call Bill Clanton or Daniel Ciment.
What if the lawyer that lvnv doesn't show up to court what can i say or do to stop this in the future it was wrote off in 2020 i had a protection plan to pay off the debt if my income was stopped due to not working covid hit and hours were cut way down to nothing and care credit didn't use the insurance i pai for on the loan to take care of it and im from Texas
You should probably talk to Texas lawyers about this. Try Bill Clanton or Daniel Ciment.
im being sued by lv, and i live in a tribal jurisdiction but am being sued in the county court???? grounds for counteR?
It might be. I haven’t done that research but it’s certainly a good argument.
What about doing a pay for delete agreement with them
If that meets your goals, they put it in writing BEFORE you pay, and the amount makes sense for you, then it’s worth considering.
I've just recently gotten a letter from a defense attorney from Chicago Consumer Law Center P.C. stating that LVNV FUNDING LLC is suing me for an unpaid debt, the original creditor was Credit One Bank and I tried to get in contact with them but they were unreachable also I signed up to a protection that just in case I couldn't pay they would dismiss it without charge but here I am with an open balance of 1043 only when I originally balance was 600 what should I do?
If you've been sued, you need to talk to a lawyer in your state right away.
What about just telling the court that I don’t have a signed contract with LVNV? That is what I put on my answer to them.
We've never seen that strategy work, no matter how much certain online influencers push that idea.
Is a statement with no signature good enough to validate my debt what info has to be validated for me to say I agree and need to pay
Yes. Have you checked out our videos about validation?
LVNV tried to garnish my wages a couple years ago. But because I’m head of household and my income is under a certain amount, the judge granted me exemption. Recently, the company contacted me ordering for me to fill a paper form giving a lot of personal information about me and my kids. I wasn’t comfortable with that, so I called instead to get more information. The company went back to court again in attempt to garnish my wages. I turned in a form asking for exemption again. What can I do to get rid of this situation for good ? The old credit card dept they are suing me for is almost 20 years old
Don't call them on the phone.
Give us a call at the office this week to discuss your situation.
They're garnishing my wages I didn't even know they were garnishing my wages until it came out of my paycheck. I had to go to my HR lady and ask her what was going on. She found out for me. Apparently they took me to court in July 12th of this year. I never received any documentations about going to court so of course I didn't show up because I did not know that I had to go to court so they garnished over $2,000 out of my paycheck. When I called the company and told them that I never received a letter stating that I had to go to court. The demeanor of the lady that I talked to changed really quick and she gave me the lawyers phone number which was different than on my paperwork and I called both numbers and never got a hold of any lawyers at all so I ended up stuck paying over $2,000. Almost lost my car because of the garnishment of 25% of my paycheck every pay
Are you in Florida? If so, give us a call.
They purposely trick the court into order of withold wiping out my bank accounts, what can I do
If there's a court order, you need a lawyer in your state who can help you lift that order.
On my credit report it says it has been disputed and verified under the FCRA and it is a valid debt ( I requested validation) . It went to a lawyer and I got a letter that it has but that's all that's happened so far? It's been over a year since that letter.
Sounds like you sent the wrong letter to the wrong people. Check out our dispute letter videos.
I’m in Texas and I got a letter by a man at the door ( I’m being sued ) and it’s this company, they are saying I breached contract with one of the companies for $7,132 dollars and I have 14 days to contact the court before it defaults basically. I am very concerned …. Not sure what to do. I’m on the courts website where it was submitted and I click claims & I can do a defendants answer but I wanna ask you what u think I should do first. This is very new to me. I want to DENY these allegations. On the paper it does have a few dates of “when the account was opened” and when the last payment was. Which was all in 2022. I want to deny all of this.
In Texas, call either Bill Clanton or Daniel Ciment. Those lawyers can help you figure out a solution.
They recently picked up a 6 year old balance of $3,007 I had with navy federal I had no notice of them picking up that account it came out the wood works. Can I negotiate a payoff and possibly a pay to delete letter ? And what would be a good number to settle with in your professional opinion? My credit score dropped 45 points because the timeline was reset 🤦🏽♂️
If it's a six-year old debt, that would be beyond the statute of limitations in most states, meaning they can't sue you to collect. Once the debt is seven years old, it will drop from your report (and there's no way to "reset" the timeline-if they don't remove it after the seven-year mark, they're breaking the law).
Hey I have something in collections from my first credit card and $5500. It went into collections a couple of months ago. I want it off of my report, how should I go about this?
Find a way they have broken the law, and sue them. Put them back on their heels.
I received a lawsuit from LVNV for a debt about a month ago. I sent an answer form from the court disputing this and requesting proof that this debt is actually mine. Now I am getting emails from their attorney to settle this what do I do?
If it's not your debt, we'd countersue the debt collector for violating federal law.
You probably need to speak to a lawyer to do that successfully.
Hi. If there is a LVNV Charge off on my credit report but a debt collector is sending me emails for a prelegal track to collect...what is the first step for me. I haven't responded to their email yet. Not sure what I should do first.
Watch our Debt Collection Battle Plan video to get an idea of your next step.
Im in a state where LVNV is not licensed to operate. Is there anything i can do to remove collection?
Under federal law, you may be able to sue them to stop whatever they're doing to you.
You'll want to find a lawyer in your state who handles FDCPA claims.
Im bring sued by them. 3k. Im in cali. How should I deal with it?
Call Mike Cardoza: www.cardozalawcorp.com/
I sent a validation letter to LVNV and in response they sent me a letter stating they have placed my collection with resurgent capital. Are they required to stop reporting or can they still report since it’s the same company.
There’s nothing stopping them from reporting.
I receive SSDI there taking me to trial can't afford an attorney hopefully I can get a volunteer lawyer but not guaranteed how can I defend myself can you please help
I strongly recommend you reach out to your local legal services or legal aid organization and see if they have resources you can use.
@@RWlawFL thanks for advise went it alone and won thank you for advise
Yea they can't touch SSDI or SSI
But in many states, they can put liens on your home and even take them. Also, check out our recent article on this: ruclips.net/channel/UCcd-Vm_H-CX6sVcOQMBehgQcommunity?lb=Ugkx4WNkqNd3tHoChQ3olAqh6Ch821jUD_Ea
Do you have any representation in Texas, specifically in El Paso?
Talk to Bill Clanton or Daniel Ciment.
What's the lowest dollar amount they would actually sue for?
We’ve seen them go as low as a few hundred dollars.
I have checked most of the forms on my lawsuit and my name has an incorrect middle initial . Can I use that as a defense?
Is that because the debt belongs to someone else? Or is it your debt and someone messed up your middle initial? If it's someone else's debt, that's a defense. If it's your debt, probably not.
I don’t show up in court, the put a garnishment against me. How do I get that dismissed
Check out this post we wrote: ruclips.net/channel/UCcd-Vm_H-CX6sVcOQMBehgQcommunity?lb=Ugkx7RnV1rmhA9taQXnMQaEiR57pHgdPjQAJ
Hi Do you have an office near Brevard County? I live in Palm Bay Fl
We handle cases throughout all of Florida. Our office is in Dade City.
Do you help people in Michigan? LVNV is suing my daughter for a credit debt of $1009 dollars.
Unfortunately, we're not licensed to practice law in Michigan. Look for a "debt defense" or "FDCPA" lawyer in Michigan.
LVNV is Suing me for 42,000! Their "Bill of Sale" shows 3 other companies but not the Creditor who ownes the debt on my credit report? I responded to their suit using a course i bought, but I dont know if it will work. I need to get this dismissed! Can yall help?
If you’re in Florida, call us right away. If not, you urgently need a lawyer in your state who can handle debt defense.
ricardolaw.com/contact/
I got a letter from LVNV and it says at the bottom:
“ the law limits how long you can be sued on a debt. Because of the age of your debt, LVNV funding LLC cannot sue you for it, and LVNV funding LLC cannot report it to any credit reporting agency.”
So should I just send the form and check off that I dispute this debt because it’s not my debt? Or should I also ask for them to send me the name and address of the original creditor?
If they can't sue you for it, and it can't appear on your credit, what are you trying to accomplish by disputing?
I'm currently being sued by LVNV with 4 lawsuits. I need help! I'm in Florida.
Call our office right now.
Hello! I'm in Alabama wanting to know if you can help me as I would love a consultation. They're sending me emails and text messages. At the end of the emails, they always say if this is not the email for Yolanda please disregard. I find that to be weird because they're not even sure if it's me as I havent responded to any of the texts/emails. I really don't know where to start with them, but now the emails are hinting that I still have time to accept a payment plan before they start legal options. Should I start by getting them to validate the debt which the company that's listed on the email I'm not sure who that is anyways?
Watch our Debt Collection Battle Plan video to see what you should do next.
LVNV is on my credit report and they do not have my address or phone number, what should I do? I'm in Fairbanks Alaska.
You have the right to dispute any inaccurate info on your credit report.
I have a trial tomorrow with LVNV. To let them know the statue of limitation has expired sinxe it pass 4yrs for TX. Any advice you can give me please?
Hire a Texas lawyer would be our advice, and sooner than the day before trial.
@@RWlawFL it's too late. I just lost the trial 😭
I'm sorry to hear that. For anyone who goes into court without a lawyer, this is the most common result by far.
@@RWlawFL thank you. Oh well. I tried. Learned new things in the process
When you learn a lesson, and pay a price, my law school professor used to call that "tuition."
What if LVNV hired a lawyer and the judge gave them the right to publish my name on the court view website as proof of being served. Then by the time I found out they filed a default of judgment and the judge granted it. Can I still file an answer or complaint??
If a default judgment has been granted you'd better act quickly. A lawyer in your state can help you figure out how to respond.
In Florida, the entry of a default or default judgment cuts off your right to defend. Many other states have the same rule.
You can file a motion to vacate default judgment for a good reason.
This is true in theory but very difficult in practice.
Need help. LVNV has posted a fraud account on my credit. I am working out of the country and I can't resolve the issue.
If you're not in the country, it's hard for me to see how this will affect you. What's going on?
That my plan no money LVNV but they got a judgment against me what should I do?
If they sued you and got a judgment, your "plan" is about a year too late.
If you're in Florida, give us a call: ricardolaw.com/contact/
Otherwise, you'll need to find a lawyer near you who handles "debt defense" or FDCPA cases.
So My credit shows LVNV reporting collection accounts but resurgent is sending me mail saying I owe for the same account what should I do
Resurgent is a subsidiary of LVNV.
You can dispute any account on your credit report that is in accurate, incomplete, or obsolete. The credit bureaus have a duty to investigate and either remove or correct any errors.
I’ve been getting letters from Law Offices saying that I was being sued by LVNV and just the other day had a police officer come to my house. They are not on my credit report and the company they say they bought the debt from says I owe zero dollars on my credit report.
If you've been sued, you need a lawyer ASAP and your credit report is IRRELEVANT.
Are you in Florida? If so, call us ASAP:
ricardolaw.com/contact/
@@RWlawFL I’m in Georgia
In Georgia, call Steve Koval: (404) 350-5900 and let him know we sent you.
@@RWlawFL Do you have someone in SC? I’m in the same situation and I need help immediately.
We don't have anyone in SC right now.
Hello I'm being sued by LVNV LLC. I live in NYC. I've been to court with them on Jan. 30. Their lawyer spoke to me & asked me do I receive SSDI because I mentioned that on the ANSWER IN PERSON form. I also put down a GENERIAL DENIAL which may have been a mistake. They keep sending me these interrogation forms to answer which I didn't. Now they're compelling me to come to court on June 12 because I didn't answer those forms. I responded to the judge to ask for the case to be dismissed because I'm on disability & my income is exempt in debt collection. I consulted the free legal services here in NYC & was told they don't help people who are judgement proof so they sent me some information by email. I have to return to court on June 12 because they are compelling me & for a pretrial on July 10. I want this case dismissed. Can you offer some advice. Thank you.
If you haven't already, you need to speak with a NY attorney to help you with this.
Call NY lawyer Subhan Tariq: 718-674-1245 Let him know I sent you.
Watch our Debt Collection Battle Plan video to see what you should do next.
I owe 2 amounts 1. For about 1,000 and another for 265
Should I pay them ? How can I get them removed ? It was back more than 10 years ago
When you say "removed" I assume you're talking about your credit report.
10-year-old debt should come off automatically. If it doesn't, dispute it with the CRA.
Got served a summons at night with a guest here by a cop. I'm showing up in court and can try to negotiate when I get there. Would love any advice .. offer a small monthly payment. Or a reduced settlement amount because they're adding so much to the original debt? The one attorney I spoke to said to call the courts to confirm if there is actually a court date on the docket. The papers I was served by the (? Probably fake) Cop did not have a Case# or anything. It's all scare tactics. I will offer a payoff amount at 30 percent of the original debt. That's what the attorney told me to do.
This sounds VERY suspicious, and I'd strongly recommend you speak with a lawyer in your state before you try to figure it out on your own.
Do you know anybody in Colorado to help me out?
We don't have any current referrals for Colorado. But check to see if there are attorneys near you who are "FDCPA" or "debt defense" lawyers.
They are sueing me in Texas do you know who can help me in Austin Texas?
In Texas, call Bill Clanton or Daniel Ciment.
Can you do a video for those that owe a debt, sued for debt but are on SSI and own a house but law says since credit card isn't in both homeowners name they cannot place a lien? Thanks
What is the question you’re looking to get answered?
@@RWlawFL if one is judgement exempt, and is sued and LVNV has an affidavit ín the complaint from Resergent and you file motion to strike and judge denies, then in motion for summary judgment they bring in another affidavit from LVNV for business records, they have those 2 statements but no one (affidavit) from original creditor, claim debt is verified with 2 or 3 years of statements and the portfolio showing debtors name/information, LVNV has provided a bill of sale/transfer but nothing showing the terms of purchase. If defendant files opposition to summary judgement and the newest affidavit, and uses there is nothing showing proof of purchase/terms, only what I feel is a generic bills of sale/transfer of debt and judge sides with them, is there anything that can added for someone that is collection exempt to get the judge to find in favor of defendant. Defendant would much rather pay original creditor than a junk debt buyer who didn't even pay that much for said debt. ....
So, you don't get to choose who you pay. Whoever owns the debt can enforce it. But can they prove it?
And once the original creditor sells the debt, paying them odes you no good. (Your chance to pay the original creditor was back when they still owned the debt)
Being collection exempt is NOT a defense to a debt lawsuit. It may stop them from getting the money, but will NOT result in a dismissal.
@@RWlawFLok, but what if the debt buyer has bill of sale but nothing showing they actually purchased the debt. I had seen before that they have to have proof they purchased the debt in addition to bill of sale. In this state it's cc debt is considered as account stated but nothing in the lawsuit states the debt is acc Iunt stated just amoubt due and owing. Thanks fir the rsposnse.
What state are you in?
> what if the debt buyer has bill of sale but nothing showing they actually purchased the debt.
Then if they take you to court, you can challenge that, Check out our video on "account stated" claims and how to beat them: ruclips.net/video/M0JHAP1O-1Q/видео.html
Can you recommend an attorney in WA?
We don't currently have a referral in WA.
Hi my name is Tammy I don’t live in Florida I live in Illinois but im being sued by this debt collector the debt is 10 almost 11 years old it has no account number so im not sure what it is even also it saying on the letter that it is a filing petition to revive a judgement so that im also confused on the judgment was entered February 11,2013 for 2,575 and now they want 4,779 I go to court Monday January 30 2023 please could you give me some insight on this to help steer me in the right direction
> filing petition to revive a judgement
It sounds like they sued you back in 2013 and won. While it may be too late to stop this process, you should absolutely speak to a lawyer in Illinois who handles debt collection lawsuits.
Lvnm emailed me.. but if they emailed me... would that not be considered a letter of collect? They also texted my phone a day later...
Every communication from a debt collector, in whatever form, must comply with the requirements of the FDCPA.
They currently have me in court!
If the lawyers on the other side are afraid of you they’re more likely to give you a reasonable deal.
@@RWlawFL they said to the courts they're only authorized to settle for $700... 75%. Due to my disability I could have requested a dismissal but then they were not willing to delete as long as I come up with the $700 they're willing to do a pay for deletion and file a dismissal with the court so basically I'm paying all the debt I do have another account with them but I'm not being sued for that one yet
LVNV or RESURGENT Capital shows that they will remove collections within 30 days of paying the debt. This is clear on their website. Is this a lie or just a trick tactic. Do I have a case if they don’t remove after payment since it’s clearly stated on their site.
Any time a debt collector lies to you, you can sue them for damages under the FDCPA.
I'm trying to send LVNV Funding a cease and desist letter. They have many addresses and P.O. Boxes. What address should I send the certified letter to, and does it matter?
On their most recent communication to you they should have an address.
They asked you to mail a check-where do they want that sent?
@@RWlawFL It's to a P.O. Box for Resurgent Capital Services.
Send your dispute letter to the same place they want payment. I guarantee you they'll open that envelope and sign your green card.
Hi Michael, I'm not in the State of FL, but I've been getting letters and emails from LVNV for a credit card debt for a while. The last email I received from them was about 2 weeks ago, and they stated my account has moved onto a pre-legal track. Now, I've received a letter from an attorney debt collection office that's not in my State last week. They're giving me until April 1st to dispute all or part of the debt in writing or a phone call. If I dispute, they'll stop collection until they send info that shows it's my debt, but if I don't dispute, they'll consider it my debt. Do you have advice on how I should handle this? Would an option be to try to settle for less than the amount? I'm not sure what to do. Thanks for any advice.
Under federal law-applicable all across the US-you have a right to dispute the debt. Usually, we would recommend you do just that.
Take a look at our sample dispute letters here:
rwlaw.gumroad.com/l/letters
@@RWlawFL Thanks so much.
You're welcome!
What if is passed the statute of limitations
If they're trying to collect a debt that's beyond SOL and you're in Florida, please give us a call right away.
They sued me and I got mail from court says I owe to lvnv now. What next ? Thank you ?
In your position, I'd ask for a lawyer in my state to review the mail I got and advise me about my possible next steps. Those will depend a lot on exactly what the letter says.
They are trying to sue me over a 300 dollar credit one card they want 670 for it im not giving them a dime but I don't know what to do next
If you’ve been sued, you need a lawyer. Otherwise you’re most likely to get steamrolled.
I have a VLNV collection I sent for validation they just send a copy of bill I send letter to bureaus comes back verified. It is inaccurate
Call us as soon as you can.
@@RWlawFL phone number
Our phone number is 352-567-3173 and it's in the video description as well.
Need help with LVNV 😫
Do you know anyone in New Jersey
I wish we did, but right now we don't.
So how should I respond to a sue from LVN I just found out ?? Should I get a lawyer? But how much will it cost me
If you've been sued, talk to a lawyer ASAP about your case. They should be able to give you an exact cost that's far cheaper than losing your case.
@Ricardo & Wasylik PL I talk to one of them they charge close to what there sueing for
Can they guarantee that you’ll get the case handled for no more than that?
If so, you’re still saving money either way.
And, of course, you can always shop around and talk to other lawyers.
@Ricardo & Wasylik PL yup iam waiting on 2 other lawyers to call me back they asked if I already have the court date which I dnt have nothing yet so should I worry
Good luck!
I live in Tennessee and have been sued by LNVN funding in Illinois for a debt that was incurred in Tennessee! My dad and I share the same first and last name, my dad lives in Illinois and I live in Tennessee! The firm representing LNVN is called Blitts and Gaines. I have reached out to the law firm to let them know I don’t live in Illinois and they keep saying it’s under review in their legal department. The court date is 5/23/22. I’m meeting with my attorney here in Tennessee on 05/16/22 to file for chapter 13. Can I still sue LNVN funding for unlawfully suing me in Illinois where I never lived even after filing bankruptcy? The credit card company knew my bank account number do they share this with LNVN funding? I’m nervous about them getting a default judgement in Illinois even though it’s unlawful and seizing my bank account! I know the bankruptcy gives a stay but with it being right before the court date and their refusal to go by the law that they will try to call it a error after being caught! Should I go to court on the Illinois court date and give the judge proof of my bankruptcy filing?
I don't understand why you'd file Chapter 13 for a debt that's not yours. If they've got the wrong person, and they've sued in the wrong state, just go after them.
A bankruptcy filing may interfere with your right to sue for FDCPA violations, or at least to get any money from that lawsuit.