@artsjennifer
I have been binge watching your videos for the past two days! Thank you so much for posting such clear, detailed, essential information! Having papers served from LVNV scared me to death - they found me mere weeks after opening a line of credit (secured), after years of avoiding credit like the plague, just so I could teach my 18 year old son how to do it the RIGHT way and learn from my mistakes. I'm 52 years old and they are chasing me down for credit mistakes I made in my 20's!!! I responded promptly and requested validation of the debt, but I did not include the statement disputing the debt in my initial letter. (Not sure if I should even bother to dispute - it does appear to be valid.) I am concerned, however, because even though I will be able to get legal benefits through my job, that does not start until January 2025 and I need to respond to their validation within the next two weeks. How can I hold them off until January when I can get professional help? Can I ask them to communicate with my lawyer when I don't have contact information for a lawyer yet?
@robert_follett
I wished I had talked to you last month...I just paid them off in full. I am glad I have you on my side now.
@Susanagatika
You’re a Saint!!!! Thank you so much.
@diverguy2583
I fought with LVNV for about three years after proving that the account was a case of identity theft, they still tried to sue me. One day out of the blue I got a letter saying I was free and clear and the debt was not mine, I have held onto that letter like it was a golden ticket.
@robertwhite9898
This video is very informative & educating. Know your rights & know the laws of your state . The statue of limitations in the state of Ohio is 6 years regardless of what type of debt it is. I had a Sears cc I was making payments on it & one day I got a letter in the from midland credit . Which is a debt collector. After that I never heard anything after that . Your a 💯 % right about debt collectors.I do have a lawyer on my side. Just in case .
@collin669
Great video. Thanks.
@DianaPadilla-f9f
Very helpful and informative.
@gregalazzaro7283
What about just telling the court that I don’t have a signed contract with LVNV? That is what I put on my answer to them.
@tamieh4599
Thank you thank you !!!
@TriciaBrown-jh5lb
They're garnishing my wages I didn't even know they were garnishing my wages until it came out of my paycheck. I had to go to my HR lady and ask her what was going on. She found out for me. Apparently they took me to court in July 12th of this year. I never received any documentations about going to court so of course I didn't show up because I did not know that I had to go to court so they garnished over $2,000 out of my paycheck. When I called the company and told them that I never received a letter stating that I had to go to court. The demeanor of the lady that I talked to changed really quick and she gave me the lawyers phone number which was different than on my paperwork and I called both numbers and never got a hold of any lawyers at all so I ended up stuck paying over $2,000. Almost lost my car because of the garnishment of 25% of my paycheck every pay
@angiebonnette7720
They are suing me now. They are plowing threw my lawyers. I need help. Somehow i found this video
@StacyRobinson-ps9nr
It was very informative
@iAmMelekYahu
LVNV just said in court they don’t need to provide original contract. They used my previous addresses as proof that debt belongs to me.
@CRYSTALR0CKK
LVNV tried to garnish my wages a couple years ago. But because I’m head of household and my income is under a certain amount, the judge granted me exemption. Recently, the company contacted me ordering for me to fill a paper form giving a lot of personal information about me and my kids. I wasn’t comfortable with that, so I called instead to get more information. The company went back to court again in attempt to garnish my wages. I turned in a form asking for exemption again. What can I do to get rid of this situation for good ? The old credit card dept they are suing me for is almost 20 years old
@7339memo
Thank you
@MY-pf7dc
HI I JUST GOT A POST CARD / WHAT'S THAT ABOUT ? THANKS SO MUCH FOR ALL THE KNOWLEDGABLE INFORMATION . GOD BLESS YOU.
@rickendorf76
This also works in british columbia with solicitors and barristers that email you for credit card debt and tell you that they will go to court?
@SoEnduroBro
Got a notice to sue letter from Mandarich Law Group LLP for a LVNV debt. Can you recommend a law firm in California? I have learned a bunch from your videos so thanks for the content.
@corndogcoy
I got a letter today from them about taking me to court I guess I better get ready!
@BaconTtavel