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.
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.
I have been binge watching your videos for the past two days! Thank you so much for posting such clear, detailed, essential information! Having papers served from LVNV scared me to death - they found me mere weeks after opening a line of credit (secured), after years of avoiding credit like the plague, just so I could teach my 18 year old son how to do it the RIGHT way and learn from my mistakes. I'm 52 years old and they are chasing me down for credit mistakes I made in my 20's!!! I responded promptly and requested validation of the debt, but I did not include the statement disputing the debt in my initial letter. (Not sure if I should even bother to dispute - it does appear to be valid.) I am concerned, however, because even though I will be able to get legal benefits through my job, that does not start until January 2025 and I need to respond to their validation within the next two weeks. How can I hold them off until January when I can get professional help? Can I ask them to communicate with my lawyer when I don't have contact information for a lawyer yet?
Glad you like the channel! If you are in Florida, give us a call and we’ll help you figure out your next steps. If you need a referral for another state, we may be able to help you with that, too.
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
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
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 .
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?
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.
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?
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.
Just got a summons for pretrial....can't do.zoom calls...nor take the time off work because the date is too close to get off. Last time, I never responded and then they garnished my wages
Failing to show up is a complete loser of a strategy. If you're in Florida, you can call us and we'll handle it for you. If you're in some other state, a lawyer there can probably handle the appearance for you. If you can't afford to take the day off work, you REALLY can't afford to get your wages garnished again. Treat this like an emergency.
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.
I filed a motion to arbitration they requested I initiate. Had court, judge gave us 30 days to initiate. I asked who would pay for that and she shrugged, so we got 30 days to initiate or she hears summary judgment.
This is one of many reasons we don’t normally recommend arbitration. I know there are a lot of people who think it’s a silver bullet, but I’ve seen it backfire more often than it helps.
I am being sued by Midland. They sent a summons with credit card statement attached, statement of claim, bill of sale and assignment, exhibit A to bill of sale, affidavit of sale of accounts and certificate of conformity. Can i still defend myself in court? Or is it a losing situation for me since since they produce all these documents?
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.
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.
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.
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
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
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
I’m being garnished by LVNV. They take from every single check. I make $240. 00 per week but with the garnishment I get $180.00 per week. My boss asked to settle for me and they said no way she needs to pay all of it. I don’t make much, my husband barely keeps us afloat and my checks help keep food on the table or gas in the car. What should I say to them? Also I never received anything to apply to stop the garnishment
Once you’re in garnishment, it means you’ve already lost the court case. Either look for an exemption, settle, or talk to a lawyer and see if you can reopen the judgment.
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?
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 got sued by lvnv for 1k. I go for first pre trial and now im scheduled for second pre trial. The judge just pretty much told me to mesage the lvnv representative. The lawyer of lvnv send me an email I have to pay $900 lump sum or $75 a month. I want to dispute it because the last time I talked to costumer service they said my account is closed and my balance is 0. What should I respond to the lvnv lawyer?
if you've been sued, and the other side has a lawyer, you're in for a very bad time unless you have a lawyer in your corner. If you're in Florida, call us right away. If not, we might be able to give you the name of a lawyer in your state who can help.
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.
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.
i have a 460 collection with them it was from a capital one 500 dollar secured credit card. and i want to pay it off cause they dont want to take it off by doing a dispute.
@@RWlawFL I spoke to resurgent that is the account administrator not even to lvnv and they say that they can’t even send an email sayin that if I pay they will take it off…. I don’t know how to go about it … in their page it says if it’s paid in full they will take it off but I don’t know if a receipt is enough plus that statement in their website.
There's a reason they're refusing to send you an email. If they intended to live up to their promise, what possible reason would they have to deny you that written confirmation? Also, are you in Florida? If so, I'd like to speak with you.
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.
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.
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?
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.
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.
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?
I have a summons to respond to and its with LVNV...I'm in Delaware. Can you help with that or suggest someone in my area that I could reach out to that does what you do?
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
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
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
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?
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/
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 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.
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?
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?
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.
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
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
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.
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
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.
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.
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 have a law firm offering me help but said it would cost me 2,000 to pretty much pay them. Is it worth it to pay a lawyer and then counter sue if i win the case?
@@RWlawFL i also have yet to receive a actual lawsuit document in the mail. My wife said there was certified mail but they never came back to deliver. If they never officially serve me a court order am i still liable to show for court?
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.
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.
If they sued you, you need to talk to a lawyer right away to see if there’s a way to unwind that. (See my “Attack the Judgment” video) If you’re in Florida, contact us right away. ricardolaw.com/contact/
If I'm sending them mail, I just use the PO Box on the last communication I see from them. If I want to serve them with a summon or a subpoena, I send it to the registered agent listed in the corporate records of the state where we're suing. There's no other addresses I ever need.
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?
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.
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.
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.
I lost my case, i went to court twice and lost at the second hearing. But they had no proof. I want to file an appeal is it worth it? The debt is $1040 no after court cost
Appellate rights are different in every state. Most places have strict deadlines. Depending on the state you’re in, you may not be able to successfully appeal unless you had a court reporter present. (For example, that’s usually the case here in Florida.)
@@RWlawFL the judge said I could appeal within 30 days. The witness couldn’t prove anything and I poked holes in all his evidence and he was stumbling on all his words. The judge cuts him off and then puts his judgement against me. And I don’t know why.
This is why it's so dangerous for non-lawyers to go to court. Something went wrong, and you don't have the training to figure out what happened, or how to fix it.
@@RWlawFL Should I file an appeal? They didn’t provide purchase agreement, didn’t verify with the original creditor that it was my debt, didn’t have any training with the original creditors, I asked about 6 questions and when I asked why no purchase agreement was submitted he started yelling and stuttering and saying it doesn’t make a difference and the judge interrupted him asked me if I had anything else I wasn’t to asked and I just closed out my statement with the fact that the evidence is hearsay and the witness has no knowledge or proof that I owe the debt or owe them. He still ruled in LVNV favor.
![It's GOOD to get sued in 2025-find out why! [Midland, Portfolio, LVNV, Cache LLC]](http://i.ytimg.com/vi/lUF0xqaFexk/mqdefault.jpg)
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!
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.
You’re a Saint!!!! Thank you so much.
Happy to help!
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!
I have been binge watching your videos for the past two days! Thank you so much for posting such clear, detailed, essential information! Having papers served from LVNV scared me to death - they found me mere weeks after opening a line of credit (secured), after years of avoiding credit like the plague, just so I could teach my 18 year old son how to do it the RIGHT way and learn from my mistakes. I'm 52 years old and they are chasing me down for credit mistakes I made in my 20's!!! I responded promptly and requested validation of the debt, but I did not include the statement disputing the debt in my initial letter. (Not sure if I should even bother to dispute - it does appear to be valid.) I am concerned, however, because even though I will be able to get legal benefits through my job, that does not start until January 2025 and I need to respond to their validation within the next two weeks. How can I hold them off until January when I can get professional help? Can I ask them to communicate with my lawyer when I don't have contact information for a lawyer yet?
Glad you like the channel! If you are in Florida, give us a call and we’ll help you figure out your next steps. If you need a referral for another state, we may be able to help you with that, too.
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.
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.
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.
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.
Great video. Thanks.
Glad you liked it!
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
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 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.
LVNV just said in court they don’t need to provide original contract. They used my previous addresses as proof that debt belongs to me.
They don't have to, unless hey sue on breach of contract. Watch my "account stated" video if they're using that theory.
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.
Thank you thank you !!!
You are so welcome!
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.
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.
Just got a summons for pretrial....can't do.zoom calls...nor take the time off work because the date is too close to get off. Last time, I never responded and then they garnished my wages
Failing to show up is a complete loser of a strategy. If you're in Florida, you can call us and we'll handle it for you. If you're in some other state, a lawyer there can probably handle the appearance for you.
If you can't afford to take the day off work, you REALLY can't afford to get your wages garnished again. Treat this like an emergency.
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!
I filed a motion to arbitration they requested I initiate. Had court, judge gave us 30 days to initiate. I asked who would pay for that and she shrugged, so we got 30 days to initiate or she hears summary judgment.
This is one of many reasons we don’t normally recommend arbitration.
I know there are a lot of people who think it’s a silver bullet, but I’ve seen it backfire more often than it helps.
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 am being sued by Midland. They sent a summons with credit card statement attached, statement of claim, bill of sale and assignment, exhibit A to bill of sale, affidavit of sale of accounts and certificate of conformity. Can i still defend myself in court? Or is it a losing situation for me since since they produce all these documents?
The only place you CAN defend yourself is in court. If you're in Florida, call us ASAP.
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.
It was very informative
Glad you liked it!
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.
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.
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.
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.
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'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.
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.
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."
I’m being garnished by LVNV. They take from every single check. I make $240. 00 per week but with the garnishment I get $180.00 per week. My boss asked to settle for me and they said no way she needs to pay all of it. I don’t make much, my husband barely keeps us afloat and my checks help keep food on the table or gas in the car. What should I say to them? Also I never received anything to apply to stop the garnishment
Once you’re in garnishment, it means you’ve already lost the court case. Either look for an exemption, settle, or talk to a lawyer and see if you can reopen the judgment.
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.
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 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 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 got sued by lvnv for 1k. I go for first pre trial and now im scheduled for second pre trial. The judge just pretty much told me to mesage the lvnv representative. The lawyer of lvnv send me an email I have to pay $900 lump sum or $75 a month. I want to dispute it because the last time I talked to costumer service they said my account is closed and my balance is 0. What should I respond to the lvnv lawyer?
if you've been sued, and the other side has a lawyer, you're in for a very bad time unless you have a lawyer in your corner.
If you're in Florida, call us right away. If not, we might be able to give you the name of a lawyer in your state who can help.
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.
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.
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 have a 460 collection with them it was from a capital one 500 dollar secured credit card. and i want to pay it off cause they dont want to take it off by doing a dispute.
Will they agree, in writing, before you pay anything, that they'll take it off?
@@RWlawFL I spoke to resurgent that is the account administrator not even to lvnv and they say that they can’t even send an email sayin that if I pay they will take it off…. I don’t know how to go about it … in their page it says if it’s paid in full they will take it off but I don’t know if a receipt is enough plus that statement in their website.
There's a reason they're refusing to send you an email.
If they intended to live up to their promise, what possible reason would they have to deny you that written confirmation?
Also, are you in Florida? If so, I'd like to speak with you.
@@RWlawFL yes I am in Florida
@@RWlawFL how can I contact you ?
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.
Thank you
You’re welcome!
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.
They are sueing me in Texas do you know who can help me in Austin Texas?
In Texas, call Bill Clanton or Daniel Ciment.
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.
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 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/
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.
I have a court date against lvnv. It’s a zoom trial, how should I best prepare?
Every state is going to be different. I don't recommend you do a trial by zoom unless you have a lot of courtroom experience.
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.
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.
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
I have a summons to respond to and its with LVNV...I'm in Delaware. Can you help with that or suggest someone in my area that I could reach out to that does what you do?
We don't have anyone in Delaware that I know of.
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
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.
I’m in DE received a summons LVNV is the collector. Do you help in other states and if not, do you recommend someone in DE that does what you do?
We don't have anyone in Delaware that I know of.
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/
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?
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/
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 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.
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 have a collection agency on me!! Credit Control..if they are Real? They lied ..gave me 46 days to respond..instead of 30.
There is a company called Credit Control Services that we've dealt with. And 46 days is ok.
If you're in Florida, give us a call.
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.
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.
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?
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.
I'm currently being sued by LVNV with 4 lawsuits. I need help! I'm in Florida.
Call our office right now.
Plus I been sending Dispute letters to clean my credit report
How has that worked out for you?
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.
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!
Lvnv is coming after me with 2 different accounts. I am trying to get a validation letter to send to them. And dont know how to type it up.
I've got great news for you. We have a FREE dispute letter kit at rwlaw.gumroad.com/l/letters that gives you the information you need.
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.
Do you have any representation in Texas, specifically in El Paso?
Talk to Bill Clanton or Daniel Ciment.
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.
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.
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 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.
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.
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.
Can you recommend an attorney in WA?
We don't currently have a referral in WA.
I have a law firm offering me help but said it would cost me 2,000 to pretty much pay them. Is it worth it to pay a lawyer and then counter sue if i win the case?
If you’re in Florida, give us a call to find out how much we can save you.
@@RWlawFL sorry im in ohio lol
@@RWlawFL i also have yet to receive a actual lawsuit document in the mail. My wife said there was certified mail but they never came back to deliver. If they never officially serve me a court order am i still liable to show for court?
Every state treats that differently so you really need to speak to an Ohio lawyer.
Depending on the size of the lawsuit, $2,000 MIGHT be a good deal.
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.
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.
All the debts lvnv has is outside the statute of limitations and they are still trying to get money from me.
Depending on what they say to you, they might be violating the FDCPA. If you're in Florida, give us a call today.
They have gotten into my bank account. I didn’t even know they sued me. What can I do?
If they sued you, you need to talk to a lawyer right away to see if there’s a way to unwind that. (See my “Attack the Judgment” video)
If you’re in Florida, contact us right away.
ricardolaw.com/contact/
Im bring sued by them. 3k. Im in cali. How should I deal with it?
Call Mike Cardoza: www.cardozalawcorp.com/
Do you have a physical address for lvnv ?
If I'm sending them mail, I just use the PO Box on the last communication I see from them.
If I want to serve them with a summon or a subpoena, I send it to the registered agent listed in the corporate records of the state where we're suing.
There's no other addresses I ever need.
What's the lowest dollar amount they would actually sue for?
We’ve seen them go as low as a few hundred dollars.
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.
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 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.
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.
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.
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.
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.
I lost my case, i went to court twice and lost at the second hearing. But they had no proof. I want to file an appeal is it worth it? The debt is $1040 no after court cost
Appellate rights are different in every state. Most places have strict deadlines.
Depending on the state you’re in, you may not be able to successfully appeal unless you had a court reporter present. (For example, that’s usually the case here in Florida.)
@@RWlawFL the judge said I could appeal within 30 days. The witness couldn’t prove anything and I poked holes in all his evidence and he was stumbling on all his words. The judge cuts him off and then puts his judgement against me. And I don’t know why.
This is why it's so dangerous for non-lawyers to go to court. Something went wrong, and you don't have the training to figure out what happened, or how to fix it.
@@RWlawFL
Should I file an appeal? They didn’t provide purchase agreement, didn’t verify with the original creditor that it was my debt, didn’t have any training with the original creditors, I asked about 6 questions and when I asked why no purchase agreement was submitted he started yelling and stuttering and saying it doesn’t make a difference and the judge interrupted him asked me if I had anything else I wasn’t to asked and I just closed out my statement with the fact that the evidence is hearsay and the witness has no knowledge or proof that I owe the debt or owe them. He still ruled in LVNV favor.
I can't tell if an appeal will help or not. It sounds like the damage was done when you went to court without a lawyer.