Sued by LVNV Funding? Why You Should Defend Against the Lawsuit

Why You Should Defend a Debt Collection Lawsuit Filed by LVNV Funding

If you’ve been sued by LVNV Funding for a debt, it is essential that you take the lawsuit seriously and consider defending yourself in court. Many people assume that if they’re being sued for a debt, they must automatically owe the money. However, that’s not always the case. There are several compelling reasons to fight back, even if the debt seems familiar.

1. It Is Possible to Successfully Defend Against Debt Collection Lawsuits

Debt collection lawsuits are winnable. In fact, many consumers successfully defend these suits, especially when the plaintiff is a debt buyer like LVNV Funding. These companies rely on the fact that many people won’t respond to the lawsuit, which results in a default judgment in their favor. But if you show up and assert your rights, the burden shifts to LVNV Funding to prove its case—and that’s where they often fall short.

2. Debt Collectors Often Lack the Evidence Needed to Prove Their Case

LVNV Funding is a debt buyer—it purchases old debts from original creditors, often for pennies on the dollar, and then tries to collect the full amount. By the time LVNV Funding acquires the debt, documentation is often incomplete or inaccurate. In court, they must prove that they own the debt, that the amount is correct, and that you are legally responsible for it. However, they rarely have original account statements, signed contracts, or live witnesses from the original creditor who can testify. Without this admissible evidence, their case can fall apart in court.

3. LVNV Funding Has a History of Questionable Debt Collection Practices

LVNV Funding has been found liable in the past for engaging in unlawful or deceptive debt collection practices. Courts and regulators have penalized the company for things like suing the wrong person, attempting to collect debts that were already paid or discharged in bankruptcy, and failing to provide proof of ownership of the debts. These past violations demonstrate a pattern of aggressive and sometimes careless litigation practices. Challenging their lawsuit forces them to prove that they are acting within the law in your specific case.

Conclusion

Defending yourself in a debt collection lawsuit filed by LVNV Funding can make a real difference. You have the right to demand evidence, question the legality of the claim, and make sure your rights are protected. Don't assume that because you’ve been sued, you will lose. By responding to the lawsuit and asserting a legal defense, you stand a strong chance of getting the case dismissed or even winning outright.