lvnv backing me in a corner. please help

go back to the court and ask how to file an objection for improper service as you were never served.the court clerk should help you with that here.

i will do thaat. thank you. my other problem is, isnt the first sign that these people cant legally be tying to collect on this debt or any debt if they aren't on my credit report?

sometimes,but if a place is assigned and didn't buy the debt.the collector might not appear.they wanted to give you that impression

if it says the account is closed and it was transfered, is that the same as them assingning it to lvnv? also is the SOL from when the last payment was maid or when the account was closed?

thank you for answering me

the SOL starts 4 months from the date of last payment.that is what transferred means.that doesn't take away from the fact that you weren't even aware of this as you never served.the SOL varies state to state.

LVNV is a quality company that exercises the highest of professional collection standards. If we have a judgment against you, you can most certainly know it was obtained properly. You need to contact us immediately so we can work out the best way for you to expedite payment.

get lost.LVNV is the worst of the worst.i can't wait to see this judgement vacated for improper service.i the meantime don't you have other people to try and con.

if they filed this all befor the sol runs out, but ten delay giving me any validation hey have the debt and the sol comes and goes..can i then use that against them? or do i have to wait and see if thy try and come after me agian? my sol starts on jan 1st

0h dont worry. you WILL be contacted.

too much gray area.i would focus on the improper service.then when the judgement is vacated request validation then.to the guest.i'm also sure you will contact.then lie out of your ***.that is what you do best.

ok. thank you so much

Maybe that "LVNV Rep" is a joker-you know, not a real rep of LVNV.

not sure,but anything's possible.

I just beat LVNV(Resurgance) in court a week ago, they bought a debt from 1989 an expected me to pay them.

I got a paper in the mail from a lawyer for lvnv saying there was a judgement against me already. Attached to the letter is a list of 10 questions where they are asking me my credit card info, my bank accounts. The type of cars i have, models and such. SS #, where i work and how much my salary is.

Are they legally aloud to be sending me these things? It says if i fail to answers these questions, the courts will hold me in contempt. What is funny is that.. at first it says "you must answer all 10 questions" then later it says "Even if you file against the judgement, you must answer all 12 attached questions"

I am suing them soon, so can you. If we all sue and win, they MAYBE will need to close their doors.

I received statement / letter earlier this month from Creditors Interchange listing LVNV FUNDING LLC as current creditor and a line that says "RE: the account with RESURGENT CAPITAL SERVICES LP". they have a correct original creditor (credit card) and last four digits of the account.

shortly after the date on the letter, I received my normal statement from the card company so I sent a request for validation letter to Creditors Interchange.

on the second page I got from Creditor Interchange it list a number of "Sherman Companies". if anyone is interested, I will post the list of these companies.

thank you for this web site and forum ... nice to know I'm not alone out here (Montana) ...

I pulled my credit report and found the following. A charged off debt from Sams Club and states "purchased by another lender". Right below it shows LVNV Funding for Sams club at a doubled amouth stated "placed for collection". Are they listing themselves as a factoring account? Is what they did legal? Also, I've been trying to find out where to look to see if a collection agency is licensed in the state of IL because I'd like to check if they are.

I found this on the State of Illinois website. Does this mean that they are licensed in the state of IL even though it shows Las Vegas NV?

SEARCH FOR LICENSEE BY PROFESSION:
[COLOR=#990000]Collection Agency, Licensed
[COLOR=black]THERE ARE 1 RECORDS WHOSE NAME CONTAINS: LVNV Funding

Licensee's NameDBA /
AKALicense
NumberLicense
StatusCity, StateOriginal
Issue
DateCurrent
ExprtnEver
Discplned?

LVNV FUNDING LLC 017021172ACTIVELas Vegas, NV08/28/200805/31/2012N

they are supposedly licensed in nevada,but if you look there is no license# for illinois.that means they are licensed.just not in our state.

-UPDATE!!!!-
Hi! I am the original poster who made this thread. I just wanted to update! I went to court and was able to get the levy AND judgement vacated for improper service!! Double win!!!

So now the case has been re-opened from the beginning. So i guess its time to push up my sleeves and get ready to fight this battle from the beginning like i should of been able to do! DV letters are going out tomorrow!!

I must say.. i was disappointed that they actually showed up for court.. but.. i came to find out.. there were about 4 other cases there involving them. Hmmm.. i would love to thank everyone here who read and commented. This site is so helpful. I was actually able to give someone who was also in my shoes in court that day, information that i learned on here, that they were completely unaware of. They were going to try to start paying these people money for a credit card they hadn't used since like 1992. I was like "Whoa.. SOL on that one.. I would look into that before you agree or start making any payments"

Excellent! Thanks for the update! Always good to hear. :)

Hi.. the original poster here again. I just wanted to update and say that we won against LVNV! We bombed them with DV letters, and Motion for Discovery letters too, and the day of the court date.. the slimes fax a letter to the courts telling them the mater was settled! I was like "What? i didn't settle for -anything!" We were told LVNV pretty much chickened out and said it was settled and no parties owed any money. Those slime balls! I was honestly really scared. I thought they had the papers to prove they owned the debt and would make us start paying. I am soooo happy to find out they didn't have -anything-! Thank you guys SO MUCH for all the help! The laywer who was trying to help us, even said that he learned a lot of new things about this company, from this case. And he was glad he did. (I also found out the judge that was at the court that day to hear our case, hates LVNV Funding and hates what they do to people.. So he was happy we won as well)

Thank you soooooooo much again!!

Quote:

Aww thanks for the invite. I signed up! I can totally help people with LVNV, But they are the only company i know about. However... i would be glad to help anyone else out, since getting started with any debt company is about the same. ^_^!

Welcome aboard!

There ain't nothing to it. Read, learn, and chime in when you can. We all learned it the same way, pretty much.

Oh. i do have a question. Even though LVNV got a judgement against me, and we went to the courts and objected about the judgement, and judged ruled in our favor.. Is the judgement still going to me on my credit report/record?

Was the judgement vacated? If so, then it should not show under the public records section of your credit reports but the original creditor and LVNV may still be able to report if the 7.5 year reporting period has not expired.

Oh, um yes it was vacated dude to improper service. LVNV doesn't know how to spell my name correctly.. so they do not show up on my credit report at all. The old debt owners wrote it off in 2004. My name isn't the only name in the whole thing, and sadly, they did spell my mothers name correctly.. and i worry more about the judgement being on her record.

They would likely be able to re-file since it sounds like this may still be w/in SOL (6 years in NJ). Check her reports to make sure they are not reporting on the public records section. If they are, dispute.

If the judgement was vacated, then it shouldn't appear on either of your CRs. Vacated pretty much means that it's gone away.

In future, if your mother's listed as a defendant also, it wouldn't hurt to have her send DVs, etc. as well.

Got ya. Come Jan, the SOL is up.. since the last date on the account is Jan 2004. So Jan 2010 will be 6 years.

Was Jan 04 also the Date of First Default? If so, they still have 1.5 years of reporting left.

it was when it was charged off. the last activity.

SoL runs from the date of last activity, which would be the last time you made a charge or payment on the account. Chargeoff happens (generally) at 180 days past due, which is six months after your last payment or charge.

Actually SOL begins with the Date of Last Payment. DOLA isn't a good meaasure since it could be a payment, or the most recent update by the DF.

DF? You've lost me.

Still, that's not gonna be the chargeoff date.

ah.. i couldnt find the last activity.. It just showed the charged off date as Jan 2004.

DF=Data Furnisher

If it showed CO as of 01/04 then your Date of First Delinquency should be approximately 07/03. That would place the removal date at 01/11

aw really? boo. oh well..i can still fight till then if they try again under another name.