LVNV Funding LLC: What to do if you find them on your credit report

I was sent a process letter in the mail from the county sheriff dept from lvnv funding llc but dont have a clue what its for , but i searched it through the sheriff dept. and it shows the attorneys where its coming from should i call and see who they are representing ? help me out here.

You need to check your local court house to see what was filed. It could be a scam but it's a start. If a lawsuit was filed you may need an attorney to fight this as it gets complicated. Failure to answer a summons in the time limit, usually 20 days, can result in a default judgment.

Who is the law firm suing? You can try calling, stay calm and firm. Only ask who the original creditor is, assignee and who they are suing for. Once you get that, say thank you and hang up, no further conversation. Do not admit to the debt over the phone either.

Case CV 09024852 What is this all about?

If you can explain a bit more about what you are refering to, it would help. If this is a court docket number-your court clerks office can help you..

BTW- If this has anything to do with LVNV, be careful. Be sure and document and keep copies of any and all correspondence.

I too am being sued in court by 2 different law firms one in my state Mass and one from newyork .one say that i owe citi and my credit report shows them paid off and closed/not charged off 3 accts 6/2003 9/2002 11/2001. And it looks like the one ther bringing me to court they put looks like a false acct # on my report in 5/2005. It is still open and says high bal 3000 and owe 6000. I keep going to court saying i don't owe them and they keep dragging ther feet. It was suppose to go to trial but they asked for another pretrial date because i told him the lawyer that i have proof with my credit report. he asked me to fax it to his office. (i think not) So instead of them sending me a letter for the proof they send me one to call them to make arrangements to pay . i cant beleive them. i know they have no proof because they seem to keep strecthing it. i have sent them a letter today for validatino before we go to court again. I feel like sueing them for errenous marks on my credit report and time and aggravation they are putting me thru when it's all over. I did not send them the proof because i hope they loose in court if not for the sol. And for putting a loan on my credit even though my creid report says it will be removed on 2/2010 .And for the sear one if i remember i don't know how much i owed them but it's not on any of my credit reports sent them a letter to validate info. Some feed back would be appreiciated
ron

i forgot to say that those 2 accts are lvnv fundung

david, i cannot believe you have advised her to contact these people without strongly also advising her to check the sol on the acct first, among other things!

generally you do not contact any debt collector , ESPECIALLY LVNV, without checking more into the background of the so called debt, first. they do alot of illegal and questionable things.

as you can see, they do not operate with your well being in mind and probably not legally, i.e.-letter of offer for payments, then when you contacted them they pull that offer right off the table!

these kind of debt collectors (DCs) are bottom feeders and just buy old debts/debts from other bottom feeders and it goes on and on. and it is legal for them to do that. not legal alot of times how they try to collect these debts. and there are many many of these collectors, collection agencies, debt collectors, etc. it's a giant business in the U.S.
what state are you in kchristie?

dates are very important in a matter such as this. if they filed the info with the credit bureau after the SOL date (Statute Of Limitations for your state) had passed you might be able to dispute it with the credit bureau, send a certain kind of letter, etc.
hopefully someone with more experience than I, on this site , will come along soon. but research this site....use the search box at top of each page, this site is great and has a wealth of info, examples of letters to send, etc.

good luck.

i paid the settlement agreement and they say i paid it but they say it is not paid off yet what do i do now

Can LVNV withheld from your tax return or just from your payroll wages?

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I checked my credit report and saw that L.v.n.v. funding in Greenvill S.C. appears on my credit report since 2007 and only one payment was delayed leading to collections.Since then every payment have been made on time,( it's funny) I've never heard of such company and this is the first time it appears on my credit. Well I have something for L.V.N.V Funding. See I'm a law enforcement officer and have requested a full investigation with the FBI fraud div.out of South Carolina.' Oh yeah did mention' I will be bucking a flight Monday to visit management in LVNV Funding to see what proof they have on me. This is a shut case it should not take me more than five minutes to complete. I'll keep all informed.


Thank You
officer E.C

My wife handled all teh finances, well thoguht she did.. NOT// She has since gone, BUT credit report I get shows my credit will not be fixed for a long time..
IS THIS BILL STILL OWED listed in subject line?

I wish to clear my debts as soon as I can.

Please help

Randall Belshaw
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Evenin' Randall -
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Posting personal information on a public forum is a Really Bad Idea, as I'm sure you will agree. It's also dangerous, and a violation of our site Terms of Service.
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Best -
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Uncle Wulf

Randall Belshaw
Guest

Posts: n/a
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Sub: account#
My wife handled all teh finances, well thoguht she did.. NOT// She has since gone, BUT credit report I get shows my credit will not be fixed for a long time..
IS THIS BILL STILL OWED listed in subject line?

I wish to clear my debts as soon as I can.

Please help

Randall Belshaw
***-***-****
[COLOR=#ff0000][/COLOR]
[COLOR=#ff0000][/COLOR]
Randall, we are not LVNV!

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My mom founf out that she owes lvnv fundinf $122, and she doesn't owe anyone money.

thx but nope thats not it. for dv'ing you need a street add. they have tons of p.o. box addresses and those are for payments.

I called them at 866-861-8182. I was redirected to # 800-365-7107. I asked the operator to give me the right address so I can send them the cheque for the amount that is showing on my moms credit, which she has no idea where is that from. The operator asked me my moms Social Security. I asked her why do you want the number now. I just want to send you the cheque. She said we have several addresses. Do they have any main office.

dont ever call these debt collectors! dont ever give them private info of yours or anyone elses!!! don't ever send them any money-you are not paying the original credior you are trying to pay someone that has bought the debt for pennies and hopes to basically "trick" you into paying money to them you don't owe them.
hope you didn't give your moms ss#! you've got to use your head more on this stuff. why would they need your moms #?? the only thing they can do is ruin your moms credit, and put your debt, and they will! on her credit report, etc. and yes they make mistakes all the time at the credit bureau's and will and could actually have your ss# and your debts on her acct. very very hard to remove too.
you need to research this site ALOT more and see what these bottom feeders, debt collectors, are all about. most do illegal things and lvnv is one of the very worst!
you need to research about these people, DEFINITELY find out how to send them a debt validation letter and all the details about that-lots of examples of letters on here for diff uses-within the 30 days of receiving one of their letters, how to mail & get a signature card returned for legal reasons, etc. too much for me to type and more experienced people on here i am sure to help you. but you should do the research yourself and EDUCATE yourself on these things.
get your annual, and most of the time free credit reports from all 3 bureaus and check out whats on there.
you sound young and maybe out of the states? (cheque instead of check?) but it is never too early to start learning this. this is a unfortunately big business and our government allows it. so you have to be aware or you will end up with possibly judgments/lawsuits, and alot of neg info on your credit report.
good luck

p.s. you also need to start a new thread of your own and post your questions and defintely read the nelly stuff above.

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hello there, i have an account and it was placed with one office and i agreed on a settlement/payment plan. i find out after 4 mons that it was placed with another agency, but the initial one is till taking my monthly payments?

Would you mind identifying the players here, please? LVNV is at the center of an unbelievably convoluted web of fronts, shell companies, and such.

Many Jane Elliot is a debt collector that reguarly goes after old debts in michigan beyond the 6 year michigan deadline for collecting back debts. Go to court with her when you get sued and you will easily win more than likely they will not show up.

Hi Nelly
i was on a payment plan with Financial Group LLC.. they are suppose to take out 238.25 on Friday 2/26/2010.. i called and told them i did not have the money until 3/5/10. The guy started yelling at me and stated that he was going to take the money out of my account..i told him not to because it would bounce....he said to bad and that i should call the bank and do a stop payment... on the letter i received it stated that if any arrangements have changed called the office..i was just asking for a 5 day wait until the 5th... the guy said i need to put 25 dollars in the account by friday and he could take out the 25 and then on the 5th take out 297.80 whci i only owe now is 238.25.. my total bill is 538.01 but they did a settlemnent so i'm saving 300 dollars.. what can i do....

Ugh this company showed up on my credit report and is calling me at work. This was for a Lowe's card that went into collections because I lost my job, but I already paid it off in August of 2009 but they are insisting that it is valid and I owe them money but they are not the company I paid. Now they are calling me at work and being very rude. It is only $375 but I do not want to give them money for something I already paid. I called the company I did pay but they weren't very helpful. Help what do I do to get them off of my credit and to stop harassing me at work.

I disputed them on my bureau(s) and they could not validate the debt therefore were removed.

I need help on getting a judgment satisfied that you have.
It is against our clients wife that is no longer in the country and we need to pay it off ASAP-- Planitiff=LVNV Funding
Account ID # Acct NO. Sears
please call me at . Thanks Legal Assistant

If you are looking for LVNV--look at the above post by Unc-he posted the address.

Good Luck with them--make sure it is in writing before you do anything..

can u tell me why I owe you money?
505 4707963

can you tell me why I owe you money. please call me at 505 470 7963

this is not the collection agency agustin this is a website started to help people deal with collection agencies. please don't put personal info like phone numbers in your posts. should someone remove this?

I'd like to validate this debt that is showing on my credit report for the amount of $770.00. What company is claiming the debt and when was it open.
My ss# is
Please do not post personal information on a public forum, we are not affiliated with this company, contact them directly.

I'm glad there is an agency reporting to the credit agencies about issues i may have already paid off! i am also grateful for all the wonderful phone numbers they provide!! i am glad their phones dont even ring when you call them!! Is this for real!!! get a clue if you are going to be ruining people's credit or reporting bogus info, at least get a real phone system so the people trying to get ahead in life can continue to do so without this little operation hampering those efforts to get a real contact to Verbally dispute them. Not wait weeks on end with snail mail!!

I filed bankruptcy on March, 2009, the account was with Bank of America. They still have a judgement at the court house against me.

I have LVNV funding on my credit report too but the original company is also on my report for the same debt. Is it legal for companies to double the information on your credit report to make it look worse than it is? It also has different removal dates which I think it should be the earliest one. Is there more information you have on this situation?

I have a negative listing from LVNV and i tried to make contact letting them know i was recording the phone call. They refused to talk to me as long as i was recording the phone call. I am about to fac them a letter requesting settlement of the account. They kept referring me to CMS when i asked them for a settlement and CMS said they have not had that account in their office since jan 09. if LVNV does not accept the settlement offer, what can i do to remove this from my credit file?

Hi Vincent,
Did you check if the negative listing by LVNV is legitimate? Did you check if they really have the right to collect the debt from you and report it to the credit bureaus? Before you make a settlement offer to them, send them a debt validation letter. If they cannot validate the debt, they have no right to either collect it from you or report it to the credit bureaus. You can then send a request letter to the bureaus along with the required evidence, asking them to remove the negative item from your credit report.

nelly what kind of proof do you send with the request letter? the signed green card and val. letter copy? that shows dates etc? please be specific. thx

Hi meremanda,

When you send a debt validation letter to the collection agency through certified mail with return receipt requested, they are required to send you proof to validate the debt. If they cannot validate the debt and is non-responsive to your validation letter, you can send the credit bureaus the signed green card and the copy of the validation letter as evidence that you did dispute the debt with the collection agency. The signed green card will prove that the collection agency did receive the validation letter on a particular date. As per the Fair Credit Reporting Act the collection agency is not supposed to report the account on the credit report if they cannot provide you any proof to validate it.

:cool:there is one in new jersey too through an attorney and the one in sc is 500 ste not 600 makes me kinda of wonder what is going on

just watch your self the address for the one in sc is sute 600 not 500 ps i got served with paper by the local sch

Please call, regarding
Your personal information has been removed, you will need to contact this company directly as we are not affiliated with them.
Shazzers

Do not pay these BOTTOM FEEDERS a dime. They bought your debt for pennies from the original debtor and try to collect the entire amount they claim you owe. Send them a letter of Validation of the debt with your original signature. Chances are (90%) they have nothing to prove the debt. If they file a law suit against you to try and collect, (it won't be from them, but one of their Lawyer partners in your area) who will try to scare you into settling or making payments. DON'T talk with them but send them a letter to Validate the debt. They can't either. When it does go to court, SHOW UP and when their lawyer calls you, you ask again for Validation of the debt. They were hoping you wouldn't show up so they could win under default. Thats how they make so much money becuas they can now take your default and take it to settlement court and place a lein on your paycheck and your checking account. If you show up they will either have to show Validation of the debt with LVNV not the original creditor like citifinancial that shows your signature. By all means, don't give them a dime or give them any checking account or credit card or debit card information. They will steal you blind. If the case gets dismissed make sure you get it dismissed with prejudice so they can't refile down the road. Know your legal rights. Once the original debtor wrote off your debt, that's it. It may follow you for 7 years. But you don't have to pay LVNV a dime because they bought your debt for pennies.

I had a judgment on me and they won, I didnt go to court. But now that I read this the sol had past. Can I go back and get my money back?

If you were served and did not answer, you waived your defenses. HOWEVER....if they filed after the statute of limitations, you could have a claim for misrepresenting the nature of your debt. If your claims against them are not past the sol, it is worth a shot to go after LVNV Funding for deceptive action in the lawsuit against you.

i also have lvnv funding under my credit report, there is no amout past due on my credit report. i already settled my payments with them and paid in full. also asked them to send a letter stating paid in full and they did. how do i go about disputing them under my credit report? as to clear them out from my credit report.

My daughter (a minor) had an account at "Petland" for the purchase of a very sick puppy. She paid the account due in full on the last day due by telephone check and Petland's Payment Center messed the payment account #'s up. They then went after her and my wife for the passed due interest. I spoke to Petland on the telephone and I wrote letters to Petland and they sold the account to HSBC. I the wrote HSBC and the Federal Trade Commission a certified letter explaining the fraud. HSBC turned around and immediately sold the account to LVNV. They have in the past been really harrassing us on weekends and holidays over a fraudulent charge of $563.00 in interest charges. My wife's credit is now deliteriously affected. These folks are crooks!! What do I do?

ive been sued by lvnv funding a have a court date set an do not have dat money right now to pay right now my question is when u go to court do you have to pay court cost and could you go to jail

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 mentally abused than he took on debt in divorce decree and hasnt lived up to his end of bargin now there suing me so if need be i will bring decree and state than you sue him to as he is the one that is to pay debt but they have not the org creditor they have ge captial and org creditor was gemb jc penny credit card i openend in 04 last pay sept 05 and from info i am not sure if was ge capital at the time ge money bank not sure if same thing or not but any sugguestions? i openend in wi now live in MI mi statues states breach of contract 6 yrs breach of contract for sale of good under the ucc is 4yrs including deficiency actions following repossession and sale of goods subject to security interest judgements: 10 yrs but are renewable by action for another 10 any ideas if this is the ucc 4yr clause?? on my instance thanks so much