i got a summons and complaint from them i have reported on my credit report the org company that i know from credit report and lvnv and lvnv has different amts every year on my credit report also states it will stay on my credit report for 7 yrs also lvnv has sent to another agency northland than northland send to a jcc christians out of MN i think there crooked and dont follow fair debt practicies from mn goes to attorney in mi that has filed but i am answering i was going threw a divorce at the time of opening i dont remember alot on matters as found out for years was emotionally men

what happens if i dont pay the debt? i know what it is for and i did not order these things. this order was made when i didnt live at home and i dont want to pay for something i dont have.

I live in TN.I defauted on a credit card back in 09 and the account was sold to a collection company.I dv'd them and they mailed me a few statements then retained an attorney.The attorney sent me a letter stating they were attempting to collect the debt and i had 30 days to dispute.I did dispute and also elected my arbitration rights.The cardmember agreement states ... [FONT=Arial][SIZE=1][FONT=Arial][SIZE=1] [LEFT]THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF EITHER PARTY ELECTS ARBITRATION.