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Sued by LVNV Funding – Who Are They? Statute of Limitations for Credit Cards Can I strike a Default Judgment? Go It Alone?  Bad Move on a Credit Card Lawsuit Telephone Communication Protection Act (TCPA)
 
Sued by LVNV Funding – Who Are They?

Sued by LVNV Funding – Who Are They?

The Sheriff knocks at your door or you receive a certified letter and find that a lawsuit has been filed against you by LVNV Funding.  Your first thought should be… who is LVNV, I’ve never heard of them? LVNV Funding is a junk debt buyer.  They are a subsidiary of a very large debt collection/buyer […]

Statute of Limitations for Credit Cards

Statute of Limitations for Credit Cards

What is the Statute of Limitations for Credit Cards in Pennsylvania?  We get calls asking this question every day.  In most instances, the statute of limitations on a collection claim in PA is 4 years.  There are a few exceptions, namely for Discover and Capital One accounts, which may be only 3 years.  Discover and […]

Can I strike a Default Judgment?

Can I strike a Default Judgment?

We seem to get 3-4 phone calls per day asking what to do about a judgment.  In most cases, the only option is to settle.  You cannot raise “statute of limitations” defenses, or say that “it was my ex-wife’s debt”.  Those are affirmative defenses that needed to be raised BEFORE the default judgment was entered. […]

Go It Alone?  Bad Move on a Credit Card Lawsuit

Go It Alone? Bad Move on a Credit Card Lawsuit

I had a conversation with a gentleman yesterday that I have had numerous times with other potential clients.  The caller asks for a case review, which we are always glad to offer.  He was being sued by Portfolio Recovery Associates for about $7000, which is alot of money.  I discussed the claim in detail, explaining […]

Telephone Communication Protection Act (TCPA)

Telephone Communication Protection Act (TCPA)

In 1991, the United States Congress passed the Telephone Consumer Protection Act (“TCPA”).  The primary goal of the TCPA is to protect individuals from harassing telemarketing phone calls.  More specifically, the TCPA is designed to prevent the annoying pre-recorded calls that you receive from unknown numbers at all hours of the day.  Common pre-recorded messages […]

Sued by LVNV Funding – Who Are They?

Sued by LVNV Funding – Who Are They?

27 May 2014

The Sheriff knocks at your door or you receive a certified letter and find that a lawsuit has been filed against you by LVNV Funding.  Your first thought should be… who is LVNV, I’ve never heard of them? LVNV Funding is a junk debt buyer.  They are a subsidiary of a very large debt collection/buyer […]

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Posted in Lawsuits, LVNV0 Comments

Statute of Limitations for Credit Cards

Statute of Limitations for Credit Cards

20 May 2014

What is the Statute of Limitations for Credit Cards in Pennsylvania?  We get calls asking this question every day.  In most instances, the statute of limitations on a collection claim in PA is 4 years.  There are a few exceptions, namely for Discover and Capital One accounts, which may be only 3 years.  Discover and […]

Read the full story

Posted in Lawsuits0 Comments

Can I strike a Default Judgment?

Can I strike a Default Judgment?

19 May 2014

We seem to get 3-4 phone calls per day asking what to do about a judgment.  In most cases, the only option is to settle.  You cannot raise “statute of limitations” defenses, or say that “it was my ex-wife’s debt”.  Those are affirmative defenses that needed to be raised BEFORE the default judgment was entered. […]

Read the full story

Posted in Lawsuits0 Comments

Go It Alone?  Bad Move on a Credit Card Lawsuit

Go It Alone? Bad Move on a Credit Card Lawsuit

14 May 2014

I had a conversation with a gentleman yesterday that I have had numerous times with other potential clients.  The caller asks for a case review, which we are always glad to offer.  He was being sued by Portfolio Recovery Associates for about $7000, which is alot of money.  I discussed the claim in detail, explaining […]

Read the full story

Posted in Lawsuits0 Comments

Telephone Communication Protection Act (TCPA)

Telephone Communication Protection Act (TCPA)

13 May 2014

In 1991, the United States Congress passed the Telephone Consumer Protection Act (“TCPA”).  The primary goal of the TCPA is to protect individuals from harassing telemarketing phone calls.  More specifically, the TCPA is designed to prevent the annoying pre-recorded calls that you receive from unknown numbers at all hours of the day.  Common pre-recorded messages […]

Read the full story

Posted in Other0 Comments

Debt Collection Letters on Out of Statute Debts

Debt Collection Letters on Out of Statute Debts

12 May 2014

Are you getting debt collection letters on very old debts?  All states have a statute of limitations on the collection of debts.  A statue of limitation is the time period within which you must be sued on a given claim. It is also called a time-barred debt. It is an affirmative defense, in other words, […]

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Posted in Illegal Threats0 Comments

Sued By Calvary SPV?

Sued By Calvary SPV?

11 May 2014

You’ve just been served with a lawsuit from Calvary SPV, and your first question is …. “who is Calvary SPV?” and your second question is “what do I do now?”.  Let’s address each question in some detail.  For the first question, Who is Calvary? its a pretty simple answer.     Calvary SPV is a very […]

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Can They Garnish My Wages???

Can They Garnish My Wages???

10 May 2014

Several inquiries this week on this hot topic. Debt collector calls person and says that they are going to start legal processing and wage garnishment if the person doesn’t pay $500 by 6 p.m.  Pretty scary threat, huh?  Well, let’s think this through.  If you owed me money and I could garnish your wages, why […]

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Posted in Garnishment0 Comments

Why we don’t often settle with Debt Buyers like Portfolio Recovery and LVNV.

Why we don’t often settle with Debt Buyers like Portfolio Recovery and LVNV.

09 May 2014

This is the headline in the news today…”Consumer debt collectors Portfolio Recovery Associates LLC and Sherman Financial Group LLC (parent company of LVNV Funding) have agreed to vacate thousands of judgments totaling $16 million, and pay a total of $475,000 in penalties and costs, for making untimely claims against New Yorkers, the attorney general said […]

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Posted in LVNV, Portfolio Recovery0 Comments

Settle with Midland Funding?

Settle with Midland Funding?

08 May 2014

You’ve just received a letter from Midland Funding (or its subsidiary Midland Credit Management) or worse yet, a deputy delivered a lawsuit to your door.  Your first question is, “Who is Midland Funding?”  Midland Funding is a debt buyer, a very large one.  They buy delinquent credit card accounts for a few pennies on the […]

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Posted in Midland Funding0 Comments

Credit Card Lawsuits

If you are faced with a credit card lawsuit, whether its an original creditor or a junk debt buyer, contact my office at 412-823-8003 right away. We offer a free, no obligation review of any credit card based lawsuit that is filed in PA.

FDCPA Attorneys

Many Debt Collectors threaten people, that's a fact. Threats of wage garnishment, jail, fraud charges and contacting employers, friends and relatives happens every day to people just like you. The truth is that most of these threats are illegal. If a debt collector is threatening you, contact our office at 412-823-8003 for a free initial consultation.
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