Sued by LVNV Funding

So you've been sued by LVNV Funding, LLC.

I'm sorry to hear that, because it sucks to be sued.

Not being able to pay your bills was already stressful enough, and now your being sued too? Blah.

The meanies who control LVNV Funding are already private-jet-plane-rich. Why the heck do they need to sue somebody at the bottom of the economic food chain (um, no offense or anything), just to collect on some puny consumer debt? Why can't they just let you be stressed out of your f-ing mind in relative peace?

Here, have a cookie. You deserve it.

And here's a hug.

More importantly, here's a can of whup-ass. Let's get down to some business so you can open it up on those jerks.

You probably want to know who or what LVNV is, and how to respond to the summons.

Here you'll find out the answer to both questions, along with links to useful articles and posts relating to LVNV, and how to defend yourself against a LVNV debt collection lawsuit.

But first, I should introduce myself. My name is Ian Chowdhury. I am a California consumer attorney and I've defended consumers against hundreds of collection cases. I hope you find this website helpful.

Who is LVNV, LLC

LVNV is a debt-buyer based in Southern California that buys up old defaulted, consumer debt for pennies on the dollar and then sues consumers hoping for a windfall. LVNV Funding's main tools are legal intimidation, the home field advantage of resolving the matter in a court system that is unfamiliar to most consumers, and your own misplaced feelings of guilt .

LVNV serves no useful function in society except to enrich its owners. It did not have any part in lending or servicing the original account on which it is now trying to collect, nor did it confer any useful benefit to anyone in exchange for the profit that it is now attempting to make. LVNV, LLC serves purely as a parasite, draining the already limited wealth of the country's middle class.

As a simplified example, LVNV might pay $200 for a $10,000 account, and then attempt to collect on the entire amount, making a windfall of $9,800, without conferring any useful service to anyone (except themselves).

The company makes much of its money by submitting inadmissible evidence to the court, taking advantage of defendants who do not have attorneys, and do not know how to protect themselves in court by objecting to the improper evidence.

What Should You Do if You've Been Sued By LVNV Funding?

The short answer is that you should either file the appropriate response with the clerk of the court, in the court where you were sued by LVNV Funding, or you should hire an attorney to do it for you (if you possibly can).

Before you leave ... I do have something that might be of interest if sued you in a California court: Check out my free e-book on how to respond to a collection lawsuit.

The posts below, take you to other information relevant to LVNV Funding.