Northland Group~LVNV Funding LLC

I have seen posts before on this collection agency and would like to know what kind of debt validation letter I should use for these people. They are sending me a bill and have offered to settle and attached coupons for me to use. There is no way I have this kind of money and I am sure LVNV did not pay hardly anything for this account and is trying to cash in on a windfall. Has anyone dealt with them that can give me some pointers on how to handle them?

There is sample DV letters on this site, tailor them to suit your needs. Don't settle or make payments until they provide proper validation.

This site has useful templates; on the green bar at the top of the page, click on "do it yourself".

BE VERY SURE to include a paragraph that states that you are informing them that they are not allowed to make any verbal attempts to contact you; all future contact from them MUST be done in writting.

Be sure to mail your letter CRR (certified recepit requested). It will cost you $5.00; but it is the ONLY way to prove you contacting the company in good faith to attempt to verify this debt.

Good luck!

DO NOT add a limited C&D to any DV request from LVNV. From personal experience, they consider any limitation of contact as a full Cease Comm. They will not validate and if the debt is still w/in SOL, will file suit. You can, however, add "All Calls to my employer place my employment in Jeopardy" and at the bottom of your DV state:

[center:13cb9d5642]ALL CALLS TO MY HOME OR CELL ARE RECORDED[/center:13cb9d5642]

Oh wow, I did not know that! I have been waiting for them to validate since forever, and wonder if that’s the reason why.

I was sued by lvnv. case dismissed with pre jugdice. they couldn't validate the debt.

Several weeks ago i got a letter stating lvnv sold my account to northland group. Which my lawyer found out is the same company?

Haven't heard anything from my laywer yet but I'm sure he sent a DV to them again

I do not believe the Northland is owned by LVNV. They may use them to collect. How is this being reported on your credit reports? If LVNV no longer owns the debt then they no longer have the right to report.

according the to paper i got from northland they are part of sherman aquations has many other collections under them all the same company but different names
sherman aquistion limited partnership
sherman aquistion II limited partnership
sherman aquistion L.L.C
sherman acquistion TA LP
Resurgent capital services L.P
resurgent capital services PR LLC
lvnv funding llc
ascent card services LLC
ascent card services II LLC
anson street LLC
ashley funding services LLC
credit one bank NA
SFG REO LLC
PYOD LLC

Lowlifes doing business under multiple names.

Then LVNV has not sold the debt and has just passed it on to yet another of their CA's. Since the case was dismissed w/prejudice, they cannot re-file but I do not believe that the dismissal extinguished the underlying debt. Collection efforts may not be a violation.

If someone filed suit concerning a debt and the lawsuit was dismissed with prejudice, then under the law, NO ONE can attempt to collect on that debt. To do so would be a violation of the Fair Debt Collection Practices Act and if they attempt to file suit on it again, would violate the principles of res judicata and the lawsuit would be quickly dismissed.

Good info to know.

DECLARATION OF FRAUD
Augusta, Georgia
Richmond County

That I, _____________________, a living breathing man being first duly sworn, depose and say and declare by my signature that following facts are true to the best of my knowledge and belief.

1. It is declared that you are a debt collector and that I have never contracted with your company and thus I have no financial obligation to your company.
2. You have purchased a debt from another company and you had no interest in the original debt making your status that of a mere volunteer.

3. The right of subrogation does not arise to one who pays the debt of another as a mere volunteer. This includes attempts at collection by assignment, transfer, or trade.

4. A volunteer, stranger, or intermeddler is "one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal." Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 (190; Smith v. State Sav. & Loan Ass'n, 175 Cal. App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 (1986); Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 (1974).

5. Your company extinguished the alleged debt upon purchase and any attempt to collect or sell the debt is an act of fraud.

6. Know and understand that contacting me again after receipt of this notice without providing procedurally proper verification of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false, with the intention that others rely on the written communication to their detriment.

7. You have not produced the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect as demanded by the FDCPA.

8. You have not provided a copy of a contract between me and ____________ , thus trying to defraud me of my money and are a party to mail fraud.

9. By reporting to credit agencies anything but "debt is paid in full" you are committing fraud and are open to lawsuit under the FDCPA.

Failure to provide me with a written letter by your agency/law firm of
"non-existence of debt" within 10 days will result in the actions
mentioned below. Failure to purge all derogatory credit reporting from
any credit agencies, including Experian, Equifax, and TransUnion
without validity of the aforementioned debt shall be considered an act
of fraud.

Illegal extortion of funds
Punitive damages
General damages
Exemplary damages
Special damages
Inability to obtain fresh credit for filing judgments against my credit bureau
and/or such further & other relief as I deem necessary to seek.

You have 10 days upon receipt to respond to this notice of fraud. If you do not respond within the 10 days you agree that this declaration is true and that you will report debt as "paid in full" and that no money is owed to ________________.
THAT, this declaration if not rebutted by any man, representing ________________ at any level, in any matter, at any time within 10 days upon receipt, these facts stand as true in the both the private and public record.
NOTE; Maxim of Law; 1. In Commerce – Truth is sovereign. 2. For a matter to be resolved, it must be expressed. Point of Law – Silence equates to agreement.