Sued by LVNV Funding?

LVNV Funding is a real debt buyer and Resurgent Capital Services is the company that works its accounts. Both are real, both are part of the same operation, and neither being real means they are right about your account. The questions below are the ones people ask in the order they ask them.

Also files as: Resurgent Capital Services, Sherman Financial Group.

Before anything else

Find the date you were served and count forward. Every state gives you a deadline to file a written answer, and missing it is how most of these cases are lost: the court enters a default judgment and the amount stops being arguable. Answering is what keeps the case alive.

Questions about LVNV Funding

1. Is it legit, or a scam?
2. Do they need the original credit card contract?
3. How do I make them prove they own the debt?
4. Will they settle before court?
5. How much will they settle for?
6. Will they dismiss the case if I settle?
7. They sued me. What do I do?

The same in every case

These answers do not change depending on who is suing you.

1. Do they have to prove I owe the debt?
2. What is a bill of sale?
3. What documents do I need to win?
4. Should I settle or fight?
5. Will they delete the collection if I pay?
6. Does settling hurt my credit?
7. Do I need a lawyer?
8. What happens if I ignore the lawsuit?

These depend on your state

Deadlines, exemptions and what counts as a defense are set by state law. Check the rule for the court named on your papers. Answered so far for Oklahoma, Texas.

1. How long do I have to respond?
2. How do I respond?
3. How do I file an answer?
4. What is the statute of limitations?
5. Can they sue after the statute expires?
6. Can they sue me for old debt?
7. Can they garnish my wages?
8. Can they freeze my bank account?
9. What defenses can I use?
10. Can I get the lawsuit dismissed?
11. Can they take my house?

Questions without a link are being written.