i have the same prob this company is charging me 4687 for something i dont evan know what for and i dont knw how to get a hold of them could someone plz give me there phone number or and address?

It's been over a month and I still have not been served. Do I have to be served?

[karenr216]

I have had it with LVNV Funding :evil: I have requesed validation of a debt twice,disputed with all
3 credit reporting agencies 3 times.My attorney has requested twice.All have been sent registered mail with return receipt.These people will not validate !!!maybe if enough of us get together we can
make them obey the law....this is crazy.How do they get away with violating the law ????anyone having problems with these people?
karen

Found them on my credit report never heard of them

This company LVNV said that their a law firm Regent & Associates out of Houston and I've never heard of LVNV until I pulled my credit report and they sent me a letter stating that I owe 12,000 dollars. They said that Wells Fargo filed the claim. I've never dealt with Wells Fargo ever. They said that they've got my name and social on it and it was from something Ipurchased in Houston in 2003. I lived in Houson in at eh end of 2001 so my ex- may have used my social and name to purchase smoething but i pain to dispute it til the end. I told them that it's idenity theft.

It's been over two months since I found out that they where suiting me and I still have not been served. I guess I'll just wait, maybe they realized the SOL and went away.
Mickey

[Bossy4455]

Mickey- have you checked with the court house and made sure they didn't have a court date that you were unaware of? Don't trust these people! You don't want them to say they served you and got a court date without your knowlwdge..Karen

I may be wrong- hope I am- but it seems like if they filed around the first of August, you would have been served by now. Maybe someone with more knowledge on this will come along and help!! Let us know what happens..KAren

I have same thing on my report, collection entry that I did not get it until last week. It's there all of a sudden within last month.

I talk to one of thier rep, and she wanted me to fax a copy of credit report and the page where the entry is located issuring me to resolve issue within 72 hrs.

Let's see what happens next...

This is a company that purchases the debt owed to other companies -and then they try to collect on it. This company pays the business owed money by you at a percentage of the debt owed -and then go after you for the full amount. It is basically a collection agency but instead of earning a percent of the money they collect for a business, they purchase the debt outright and then just keep all they are able to collect.

[Bossy4455]

Just don't believe anything they say!! And most of all, never give them your personal info- such as bank account info, etc.

If they do validate, it will only be a partial validation..Good Luck..KAren

This same company showed up on my husband's credit report (and mine too since it's a joint report) and after MANY MANY telephone calls, letters, etc., it finally came out that they purchaed a "debt" from Bank of America. The balance due came from an annual fee and finance charges on the account - an account he did not request. Of course this was 4 years ago and we're now trying to resolve the whole mess.
VERY frustrating, but finding that nugget of info was very rewarding - persistance pays off.

Hello,

I want to see if I understand the original creditor timeline. I had an old debt with Sears before Citibank bought Sears credit card out in 2003. Then LVNV bought the debt from Citibank in 2005. Does this mean that the timeline for orginal creditor debt validation would go: LVNV Funding, then Citibank, and then Sears? Technically is Citibank considered the original creditor or is Sears considered the original creditor?

I recently had an experience where a server attempted to serve papers by leaving a note on my door. I thought it was rather whacky. A week later the server leaves another note saying he has court legal documents for such and such to serve. OK. I then called the such and such to see if there were indeed suing me in small claims. The answer was no. Upon further investigatin I leared who had filed a suit against me. I could not understand why this server wasn't being honest about serving papers for LVNV Funding? What's up with the dishonesty. Anywone else have an experience like this one?

[Bossy4455]

Patti- the original creditor was Sears. They sell them to junk debt buyers, and if they cannot collect,they pass it along to their many dbas.

When did this account go into deliquency? When was the last payment?

I have never heard of someone lying to serve a summons, sure they do it though. I had one guy throw the summons on the porch while we were gone-found it the next day, in the mud!

Whatever you do, answer the summons in the time given, and show up in court,or they will get a default judgement.

Have you sent LVNV a debt validation letter? They won't fully validate, but may gain you some time to get prepared.

If you have any questions, please ask.KAren

Hi, and thank you for there #, If this is a sears account I haven't had that since 1996. And my ex-husband was foreging my name alot of things because I did not have a job at that time. ANy suggestions? Monique Q in SATX

[SubiGirl]

LVNV is known for their unethical, illegal tactics. I have a letter ready to go out today (had some things come up, so waited until I could afford the $5 a pop to send out my various letters). LVNV is reporting a long SETTLED account on my credit report as open, and defaulted on 5/2007! This thing was settled back in 2002!

So my point? You have to watch some of these folks, especially LVNV, very closely! Monitor your credit report, request validation, make sure they correct any discrepancy, etc. If they don't abide by the law, report them! We as consumers DO have rights, whether we defaulted on the debt or not. CAs MUST follow the law, regardless of if they are the OC, a collector, or some junk debt purchaser! Don't let LVNV and others like them bully you!

There is a log of good information in these forums! I've learned so much from these folks! Take the time to read through various threads, even if you do not think they pertain to your situation. Read up on the various federal and state laws regarding debt collection and reporting practices. Arm yourself with knowledge, and let these "bullies" know who is in control!

Monique - I am assuming SATX means you are a Texas resident. That really works well in your favor! I would google "Texas Debt Collection Act" and read up on our local laws. Some really good stuff there. I would request debt validation from LVNV (certified mail/return receipt), which naturally they will not do. You said if there is an account it hasn't been since 1996? Does that mean that you haven't had any dealings with an account since that time? If so, I would be sure to point out that if the matter is proven to be yours, it is outside of the statute of limitation for Texas, and such defense will be used if LVNV even attempts to sue!!! When LVNV fails to provide validation in 30 days from the time they receive our letter (and fails to remove the information from your credit report), send a second request (certified mail/return receipt). Watch your credit report to see if LVNV complies. If you do not receive validation in 60 days, and LVNV still does not remove the information from your credit report, report them to the Texas AG immediately!!!

One thing to note (and Goldenblast can attest to) be cautious of LVNVs sneaky tactics. They may hire an attorney to continue collections during this process, though by law all attempts to collect must stop while the account is disputed. Follow the same procedure with this law firm as you did with LVNV.