Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Report
Profile Image

Question By
axl23

5 Contributions
0 People Helped
lvnv funding bought and old $700 debt...they are not licensed to collect debts in my state (MA)
and are currently being sued for it. what should i do to say "hey, this isn't legal, i don't owe you this debt, take it off my report please?

I did a dispute with equifax and sent them pdf's of the court dockets of the pending lawsuit against them...but it's going on 20 days and i have a feeling they're going to say the debt was validated like they always do (when i know they didn't do anything...it took me 5 months to get them to change an old judgement i had vacated 6 years ago...and after sending them a validation letter they only changed it to "Satisfied"...NO! not satisfied! VACATED. TAKE IT OFF..(still working on that...going on 6 months now)

anyway i don't have much faith in their dispute system due to that and a few similar equally frustrating circumstances)

do i send a letter to Lvnv and cite the laws they are breaking by trying to collect debts in my state?

or am in the wrong here? (this $700 was a charge off...i mean..i didn't pay it..if it was a different collection agency i'd consider settling...even though i'm broke..but i feel like i should deal with a company who isn't even liscenced to collect debts here (googling "LVNV debt liscence massachusetts" (or maryland) will show you what i'm talking about and how shady this company is.

any advice?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
5 Contributions
0 People Helped

they are also very sue-happy from what i hear via google searches...so i feel like if i don't get this taken care of they're going to sue me over this eventually. (the lawsuit against them also cites how many people they've sued in massachusetts over illegally collected debts..because they aren't allowed to operate as a debt collector in this state as

the judges don't seem happy with them, called them "predators" and have thrown away all their motions. to dismiss the trial ..they seem screwed (just like what happened in maryland before this state)...but the lawsuit is still pending as far as i know. it's on behalf of several plaintffs "and others similarly situated" in massachusetts (am i  part of this lawsuit because of this wording?)

id just be happy to have this collection taken off my report...i don't know what to do though.

Top Contributor

Reply by
JohnnyRain127

998 Contributions
554 People Helped

Did they actually contacted you about collecting the debt?

-

Sure, disputing it might get it removed but they can sell it to other CA which is done very often, then it might pop up in your report later when you least expected. 

-

Other option, you can fill a complain with Consumer Financial Protection Bureau.

Top Contributor
5038 Contributions
1134 People Helped

Contact a consumer law attorney that handles FDCPA cases. Maybe try to find out the law firm that is suing the debt collector now and contact them. Odds are, they would remove the debt from your credit reports once your attorney lets them know that you are suing. A great FDCPA law firm is Kimmel and Silverman if they practice in your state. Most FDCPA attorneys do not need any money up front, they just take their share after the lawsuit is won, so no out of pocket expenses to you. You probably wouldn't get much money from the lawsuit, but getting the account removed from your reports would be worth a lot.

Reply by
axl23

5 Contributions
0 People Helped

thank  you kind stranger!

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.