[hvn_sent]

Uncle - Im diggin your style and your vast knowledge. Educate away my friend - the more knowledge we have; the better.

[unclewulf]

I do what I can. It's little enough. And I use whatever tool works to do the job.

Yes, I too was reviewing my credit report and noticed that the company is on my report twice for over 7000.00 and I an unaware why. I will ahve to call and inquire tomorrow. I hope to get a logical explanation

I had the same problem. David, thank you for the sample letter.

I made alot of mistakes early in my adult life and have a poor credit score to show for it. I recently got my credit report now that I am doing alot better for myself and I have 5-6 outstanding debts shown from lvnv and other companies like them. What would be the best way for me to go about getting all the junk off my credit report. Most of the bad debt stems from 2001 - 2003. Creditors call my all the time..how do I know they are ligit and are not just some id thief trying to gain my credit card numbers and vital info???

[JCEMT]

In the first link in my signature is a template for a debt validation letter. Send it to them certified mail, return receipt requested. Also include (if it's not already) for them to not contact you by phone and to only contact you via mail. Once they receive the letter they must cease all collection activity until they can produce said validation.

HI, I'm Rick , I recieved a court date of 1-15-08. Can I do anything to resolve this matter before then. contact me at

Phone number removed.Cajunbulldog

[JCEMT]

Mr. Grooms, I believe you have the wrong entity. If you are trying to contact LVNV Funding then you will need to call them (as we are in no way affiliated with that entity)
Their website is lvnvfunding.com
You can get contact information from there.

I have a court date tomorrow with these people. What should I do, today, tonight beforer tomorrow?

[unclewulf]

I take it you haven't got an attorney, or we wouldn't be having this conversation...

Have you demanded validation of the debt you're being sued for? If not, make sure you ask for it in discovery. You're entitled to that before paying. If they can't produce it you can ask the judge to dismiss the case with prejudice, meaning that they can't sue again over the same debt. From what I understand, LVNV usually cannot produce validation. Good luck to you, let us know what happens.

[JCEMT]

If they produce one of the Sue Argentieri or Allison B. Moon affidavits be sure that it is objected to as hearsay. Unless taken as deposition affidavits are worthless if the person is not there to testify to it. (Only if you object does that come to light though)

[hvn_sent]

Is there any regulations on how many times your debt can be re sold to another collection company if prior agencies efforts have failed to settle the debt?

[JCEMT]

Hvn_sent, where LVNV Funding is concerned it probably hasn't been resold, they have a habit of just farming it out to other CAs which they use as cannon fodder. If you send them a DV letter or they get in trouble then they just pull it back and reassign it to another agency. They do this also hoping that you will eventually cave in and just pay it.

My debt with LVNV funding started with them obtaining it and not doing anything with it until I called them in early 2007 requesting validation with an interest in paying it once they provide me with validation. They can't validate it so they farm it out to allied interstate. I DV Allied Interstate and so they pull it back and assign it with Weltman Weinberg, and Reis. I inform them that I had requested validation and that they also don't have any attorneys licensed to practice law in my state so they cannot legally contact me anyway. LVNV pulls it back and assigns it with Northstar Group (a collection agency that refers to themselves as a "third party location that is there to establish relations with debtors and creditors" and they state they are not a CA when in fact they are)

Needless to say they send me a letter stating they are attempting to validate and it may take some time, which means LVNV pulls it from Northstar and assigns it to Frederick J Hanna and Associates who I requested validation from (again!) and informed them they don't have any attorneys licensed to practice law in my state.

I originally contacted them requesting validation so I could review it and if everything is on the level I was going to request a written agreement to be faxed or mailed to me signed by a corporate officer to get a iron clad agreement, then I was going to pay it in full (no deals just full payment) that is what I wanted to do from the start. But they proceed to play these shell games with me in which I sent them an email stating this:

Re: Acct Ref. # -redacted-

I have already requested validation of this account through Weltman Weinberg and Reis, through LVNV funding previously, through Northstar group, and now through Hannah and associates.

Continue to play these shell games with me and I will have no recourse to file complaints with the Federal Trade Commission, the Attorney General's offices of the respected states in which each of these agencies are located in as well as state/county Bar Associations where applicable. In addition I have also noted several purposely misreported entries on my credit report. I have full intent to pursue civil suit for each of these if you continue these blatant violations of state and federal law.

[hvn_sent]

Nice ! Please post their response !! If I receive the same notices as you - mind if I use the outline above?>

[JCEMT]

Also it is thought (not sure if it has been confirmed) that many of the agencies that they farm account out to (as well as LVNV's other DBAs) are all shell/shadow companies of Wolpoff and Abramson.

[JCEMT]

Not at all.