How to Deal With LVNV Funding, LLC

How to Deal With LVNV Funding, LLC

Being contacted by any company that demands money can be devastating. What if they do not formally contact you and the company is threatening to take you to court? How do you respond? What if you do not know how to respond, or that you need to respond?

This could all happen to you if you are dealing with a company by the name of LVNV Funding, LLC. You could very well be in the middle of purchasing a new home when an old debt resurfaces, making your credit score take a hit that could damage your chances of securing a great finance rate.

Educating yourself on debt collection firms and their practices can better prepare you in the fight to repair your good credit or keep it from being destroyed.

Are you dealing with LVNV Funding and/or negative items on your credit report, and want them removed? Our research of the top credit repair companies can help.

Who is LVNV Funding, LLC?

You may have seen LVNV Funding on your credit report. Understand that this is a debt purchasing agency. They purchase old debt portfolios from other companies. The portfolios include credit grantors and other debt buyers.

LVNV Funding, in Las Vegas, Nevada, may appear on your credit report or letter. However, that does not mean someone from the company will be calling you.

Unlike other negative items that you may find lounging on your report, LVNV Funding, LLC does not actively pursue delinquent debt. Instead, the company subcontracts the debt collection efforts. They do this with companies like Resurgent Capital Services.

Both LVNV Funding and Resurgent are essentially owned by Sherman Financial Group, LLC. They work in tandem to secure funds for their business by collecting debt from consumers.

Back to Top

Can LVNV pursue me?

LVNV Funding can and will pursue you for an old debt. This is as long as they have a name, address, account and telephone number. These are the basic informational needs of the organization to come after you for money.

LVNV Funding purchases portfolios of old debt that contains:

  • Names
  • Phone numbers
  • Account numbers
  • Debt amounts
  • Last known addresses

Often times, this is all of the information that they have available to them. That is because they are in the market of purchasing old debt by the thousands. This means that LVNV may not have other information available to them. That information includes dates and recent payment histories.

Without the correct dates of a debt, LVNV may be pursuing you for something older than 7 years. They may also not have current payment information if the previous owner tried to collect and the consumer decided to pay.

LVNV will typically file a lawsuit. That is well within their rights if they own the debt and you owe the debt. They do this in hopes that you do not reply to the court summons or that they send the server to the incorrect address.

You may have moved or your information has changed. In that case, more than likely, you will not become aware that this is happening until there is a judgment to garnish your wages.

Those practices are unscrupulous. Therefore, it goes without saying that the company has many complaints against them.

Back to Top

What are others saying about LVNV?

We read through many complaints. It seems that the most common occurrence from LVNV Funding is their tactic to sue someone, even for old debt. Because they buy debt portfolios, they are looking for maximum results with likely minimum effort.

If you are not at the address of service to receive notice of a court date, LVNV may win their case against you. The occurrence of “not doing proper due diligence” can stand up in court. It is up to you to fight it.

Another complaint about LVNV is that they pursue very old debts and judgments are made on debts outside the statute of limitations. This means that LVNV cannot legally sue you for the debt. However, they may attempt to, based on the information on their spreadsheet.

Because of LVNV Funding’s limited information, other complainants have stated that the company refuses to validate debt even after several attempts. The only information they seem to furnish is the name and address of the original creditor. That satisfies parts of the Fair Debt Collection Practices Act’s (FDCPA) requirements (see our guide on the FDCPA here).

The common theme for LVNV’s practices seems to be that of minimalism. They’re discouraged to further pursue the consumer when more roadblocks are in the way.

Back to Top

How can you deal with LVNV?

As stated above, LVNV Funding thrives by taking the easiest path to contact the consumer. They do that in hopes that the consumer does the least (or nothing at all) to counter the efforts to collect.

This tactic may work for a percentage of the revenue generated by LVNV. However, there are times when you have the ability to halt their progress.

The first step is to answer their letters with a certified letter (retaining a copy for your records). Then request debt validation within 30 days of receipt of their letter. They must halt collection efforts for 30 days once LVNV receives this letter.

If you do not receive a letter with the information, then you can ask for deletion of the account based on failure to produce debt validation.

If you are sent a court summons because you are being sued for the debt, it is best that you prepare by either filing debt validation letters, getting the Better Business Bureau involved to help in debt validation efforts, or contact the original creditor for verification of your debt on their end.

If your original creditor shows that you have paid your debt in full or the last date of delinquency is outside the statute of limitations (SOL), then you can ask LVNV to stop collection and judgment efforts, as they would be violating FDCPA laws that state they must legally be able to sue you for the debt.

Back to Top

What if LVNV is listed on my credit report?

If you find LVNV Funding, LLC on your credit report, you should tackle the issue immediately, as they work swiftly and simply. A credit repair agency can tackle their efforts immediately, sending out the right material and recording responses on your behalf.

Credit repair firms have experience with debt collectors, and I am more than certain they have encountered and won against LVNV Funding, LLC.

Your main goal with LVNV is to have them verify the debt, in hopes that they cannot. You also want to avoid a judgment, which you will owe even if the debt is not yours or valid. Even if LVNV does not legally own the debt, they may still attempt to collect money from you.

It is in your best interest to follow procedures to remove the debt. Using the credit reporting agencies, the BBB (Better Business Bureau) or a credit repair firm as a middleman in dealing with crooked debt collectors may save you from paying thousands of dollars for a decade-old debt.

Back to Top


The debt collection industry can be lucrative for the businesses that participate, but often become a nightmare for consumers. The reappearance of an old debt can be both frightening and overwhelming, but you can take care of it.

Companies like LVNV Funding, LLC may use certain practices that lead consumers into bankruptcy, but they damage their reputations and BBB rankings in the process. This makes consumers wary of dealing with the firms, leaving them susceptible to judgment cases.

Some things to remember when dealing with LVNV Funding are:

  • Never admit the debt over the phone.
  • Ask for debt verification before the allotted time period is over
  • Follow up with your complaints

Being ahead of the curve allows you the necessary time to review the information presented to you and secure payment to pay off the old debts, if need be. When dealing with a firm that does not play fair (based on the number of complaints and reported lawsuits) your best defense is to have a knowledgeable credit repair firm in your corner.

Shantal Darby

About Shantal Darby

Shantal has developed a passion for credit and debt management over the years in pursuit of cleaning up her own credit. She volunteers information on credit and debt literacy, helping those around her achieve their own credit goals. She holds an MBA from the Louisiana State University in Shreveport and a Bachelor in business administration from Saint Leo University in Saint Leo, Florida.

Back to Top

58 thoughts on “How to Deal With LVNV Funding, LLC

  1. I mailed my debt verification letter last week. If they do not respond after 30 days the only proof I will have is a copy of the letter that I sent. Will that be sufficient evidence to have this removed from my credit? How do I prove that they did not respond?

  2. I just received a notice of a lien byLVNV attached to TD bank statements, I purchased CD’s for my grandkids throughout the years. I called TD and was told that LVNV has already started taking money.. I’ve never gotten a letter or notice and the lady on the phone said it was from Ally financing so I don’t know what to do, I am on Social Security and I’m very shocked that they can take money that is put in a CD for children without any bone contacting me what do I do

  3. My husband just received a judgement from them and I don’t remember being served or having to sign for a certified letter. It doesn’t say who the original creditor is.

    1. Yes my father was served a summons for myself . The guy he said was pounding on the window. When he opened the door he asked do you know Shirley ? and said I know your not Shirley. And handed him the papers and left . Is that legal in NYS. LVNV ” NEVER – EVER ” even offered to a payment plan. I explained I was disabled and the amount owed was incorrect and I am disabled and cannot be sued. I’ve been disabled my entire life. When I emailed them that response. I wasn’t trying to be wise. I have documentation proving. They could have worked with me. But on the reviews on BBB of LVNV are ” not ” good.

  4. Credit was stolen about 2.5 years ago and all but one company worked with me to correct my accounts. While I had assumed this account was shut down, the creditor sent it for collections. I have received only 1 letter from LVNV about 6 months ago, to which I responded requesting a verification letter, and I received nothing from them. Now I have to appear in court in 2 weeks. I am not able to afford a consumer attorney, so looking to defend myself. What should I bring to court to show the judge? I never opened a police report because my primary bank caught the activity so fast that I shut everything down and closed my credit accounts completely and only kept a credit account with them. I do paperless everything, and can’t even login to the app/online account with the account information I have on this lingering card.

    1. Get a continuance on the hearing date. Request it ASAP. Ask a clerk for help. If they will not help you, call legal aid (if you qualify) and ask them for help. Worst case scenario, write out on a piece of paper that you need a continuance and sign_date it and give it to the clerk. Put the case d on it if you can find it. Then go file a police report. Just because you didn’t file it years ago should not mean that you are barred from doing so now. I would think that bringing in a police report stating that the debt was not authorized or incurred by you would make theirs a losing case. Personally I would counter-sue the plaintiff/debt collection agency for harassment and abuse if civil process.

      1. Check with your legal aid, or your lawyer, but you can request dismissal, demand proof of service, counter sue (as suggested above), you may also request discovery documents and proof of debt prior to the trial (I believe it is “request for production of documents” (google it); if they don’t respond you may motion the court to compel discovery and if they ignore the court order, you can request a motion to dismiss. You may also request through the court, a request for interrogatories – in which you may ask questions. There is certain wording to add to these requests informing the plaintiff that as a defendant you will be requesting a dismissal if the requests are ignored. Keep proof, get proof of delivery on all correspondence. I would get legal advice from a lawyer – ask friends and family if they know someone in their family or circle that works for or is a lawyer if you can’t afford to hire one direct. You need to make it as difficult for them as possible. Fight like hell if your innocent! BUT don’t do nothing.

  5. LVNV was listed on my credit report and kept increasing the amount owed by $1 every month to make it appear as though it was a current debt that was continuing to grow. I reported this to the credit bureau and inquired if this was even legal – they are not the original creditor – they are a collection agency! How can they add money to a debt they are supposed to be trying to collect on? (Not to mention this was an old debt that was already paid off!)

    I filed a dispute with the credit bureau and – voila! – LVNV is no longer on my report! They removed the debt. I hope they also went after LVNV for this shady practice.

    1. Dealing with these morons right now. Apparently over 10 years ago somebody opened up a Citibank account under my name and accumulated 1,700 in debt. Now I’m stuck trying to figure my way out of this mess. I received a letter from them telling me that I have to get a police report, and get a report from the bank, and as well as any judgments made against the person that stole my account. Considering that the person that took my account has long been gone, I don’t know exactly how I’m supposed to do this. Having accounts and social security numbers really suck, because anybody can steal your information and you’re the one left making the payments. If anybody can help me with some useful information on how to deal with this that would be greatly appreciated.

      1. Get the police report stating that you did not authorize or incur the debt. Make a copy. That should allow them to get reimbursed by their business insurance and leave you well enough alone.

        If not there is always small claims court or hiring an attorney yourself if you can afford it.

    2. Hi Sam, you mentioned you filed a dispute with the credit bureau and they removed the debt. Can you please tell me how you outlined the letter?

      Thank you

    3. They will not go after the collection agency. HOWEVER, they do not want to take reports from sloppy operators because they may also be found liable so this probably added a black mark to the collection agencies reputation with the credit bureau.

  6. No collections agency can garnish your Social Security. That money is through the government, and that is your only income. So stop worrying. That’s one thing collections agency can’t garnish. Good Luck.

  7. I am making an inquiry on behalf of my sister. She paid off this debt last year but it is still showing on her credit report. How can she get this negative item removed? She is not willing to pay twice.

    1. When your sister paid off the collection, she needs to notify all three credit agency that account is paid in full. And they should note on credit report, that collection item is paid. The only way this account is removed from her credit report is: how long has it been in collection? Most collection accounts are removed between two to seven years. Hope this helps. Good luck. PS: This can been done for free.

      1. Paid collections are deleted from credit report, just have to make sure you get something in writing as paid in full even if it’s for less the amount owed. Then just send that to credit report companies and they will remove it.

    2. Contact all 3 reporting agencies & report them to the Dept of Banking & Insurance, once they contact them they will remove it!

    3. I would personally dispute it with the credit bureaus directly and include proof that it was paid in full. If they do not reflect as much in their reports after receiving (certified mail containing) evidence proving it was paid, you may be able to take them to small claims court.

  8. I have a negative mark on my credit and when I looked it up it was a collection from LVNV for $595. I have no Idea what this could be and it does not say who the debt is from, like a particular credit card, etc. I have not received a letter or phone calls from LVNV. So, my question is, should I call them and ask them what this amount is?

      1. You should be able to tell for free by signing up for credit karma or credit sesame. If not, you can google 1692g on the net for a ton of sample letters you can send them via certified mail and they must give you said info within 30 days or you can sue them for more than they claim you owe them. Good luck!!

    1. You should be able to tell for free by signing up for credit karma or credit sesame. If not, you can google 1692g on the net for a ton of sample letters you can send them via certified mail and they must give you said info within 30 days or you can sue them for more than they claim you owe them. Good luck!!

  9. I just got served from this company. stating we owe an employee money in another city. I called them and said we do not have employees and never heard of the person filing claim. They said they will dissolve the claim, but I don’t buy it. How can they just send a notice of garnishing wages based on no proof? Any advice on what we should do next?

  10. I have a judgment to garnish my wages. This is from a debt from 2001! Then reopened in 2007, it’s not even on my credit report any longer. How can I fight this? I plan on going to court. What do I need to study and prepare myself with so that I may keep the money that I work very hard for in my children’s mouths and not some crooks? The whole time I thought it was a scam until I got actual court papers because it was so long ago.

      1. Hi, did you get an answer to this? I have got a judgement against me. Also, never was served anything about a court date.

    1. What kind of debt is it? It has a life between 6-10 years if Bankruptcy is included, that’s it, and all the Credit Agencies know this. They are hoping that you don’t…

  11. I requested a modification on my home loan and they denied it because of a lien on my property. I asked who has a lien and they told me to check with my county courthouse. I found that in 2015 lvnv put a lien on my property, I have no clue who the debt is from or how old it is but I have got to figure out how to deal with lvnv and get this removed. I am disabled retired and can not pay this debt off to remove it, any advice would be a blessing.

  12. So I got a letter from an attorney’s office and I called them and they said the account is closed in their office and gave me a phone number to this LVNV Funding. I called the number and it was so static I couldn’t understand the person at all. This debt is a charge off on my credit report. Any help would be appreciated.

  13. Haven’t heard from LVNC, but 3 law firms have written me saying LVNV have filed suit against me but I may not have been served yet. They have spelled my first name all wrong, so technically the letters are coming to a non-person. May I honestly say there is no one here by that name if a process server comes to my home? Also, can they garnish/take any monies from me as my sole income is social security? I’m over 70 years old, too.

  14. I just received a court order of them Suing me for a very low amount. I called the 1800 number behind the card that their are suing me for and I got all the history when I made payments and so fourth. Their included information that the company of credit card was sold to three different companies within the same month and year.

    I never received a letter stating the company was sold to them and they will have my information going forward. Not did I receive a settlement offer from then which usually credit card companies offer. I never had any company sue me for any small amount below $800. What should I do now and what information can I track to take into court if I go forward in fighting with them in court. Any information will help so much. Thank you!

  15. How can you find out what the debt is? According to what they sent me, I never opened any account when they claim I did.

  16. I received a letter from WI circuit court saying my wages will be garnished and the creditor is LVNV. What can I do? This is from 2007 or before. My name is spelled incorrectly and my address is from 7 years ago. I got a letter from a law firm as well. Who do I contact for debt verification?

    1. Depending on your state, the debt may be deemed as noncollectable.

      These debt collectors buy these debts for pennies on the dollars in hopes someone will pay. *BEWARE…if you start to pay on a debt that was previously deemed noncollectable because of the statute, you have just made it collectible. *

      Do not be intimidated if you are served with paperwork stating you are being sued… just make sure you educate yourself on the Fair Debt Collection Practices act and the attachment rule.. It is the Plaintiff’s responsibility to prove you owe the debt.

  17. Lol.. LVNV Funding LLC is now doing this electronically over the internet. I received 2 emails from them and I simply denied saying I owe anything through their asking process on their website. It is best to deny everything and make THEM PROVE it, if they take you to court, BECAUSE after all THEY BOUGHT the supposed debt from a creditor. Buying debt from a creditor no longer gives them the right to glean certain information from you because it invalidates the privacy act with the original creditor when they SOLD your account to another company.

    It is all hearsay if someone BUYS information from someone else. Period.

    1. I agree! When someone brings you to court it is their burden of proof on you owing! However, LVNV are crooks! For me, they did not comply with law on PROPERLY SERVING ME! That is not good in a court of law and each state has its rules! Do a little research and you can get these leaches gone. WHAT NOT TO DO.. Do not pay Lexington Law for anything. Every time they sent a Debt Validation Letter they re-opened the debt. This allows them to sue you for old debt because it then resets and the statute of limitations is pushed to the new open date!

  18. My husband and I received a notice to appear for mediation where they bought an old cc that was charged off. We plan to go in hopes of settling on a lesser amount than what’s owed. However, we never received a letter or phone call that I recall. Obviously I’m going to go to court as I do not want a judgement against us. How should we proceed in mediation?

    1. Do not settle. You never signed a contract with them did you? Did they provide any goods or services to you for the money they are asking for? No!! You don’t owe this company anything! All they are hoping for is that you don’t show up to court like the majority do and they automatically get the judgement against you.

      They tried to sue my brother who is handicapped. He had no idea what he was signing up for or getting into when he filled out an application with First Premier Bank. Fighting this company has become a crusade of mine. I have helped many people win their case against LVNV at no cost. I own a firm that provides help to people who have been preyed upon by companies like LVNV.

      My name is Sarah and you may contact me at 877-926-8850. I provide all the necessary paperwork again, at no cost to you. LVNV is despicable and they have no regard for the FDCA or FCRA.

      Another great article Shantal. You rock!!

      1. Hello Sarah, I am desperate because I was just served papers yesterday and my summon to appear in court is a week away, 6/19/19. I read your comments. But, I am afraid that they will place a judgment against me on my credit report. How do I handle this matter? Please help. Patricia

        1. Patricia, what was the result of your court hearing? I am planning to defend myself in July because my account was shut down due to theft. I can’t afford a lawyer, so wondering how smoothly your hearing went and what was the result?

      2. Thank you so much Sarah, you rock. If anyone who reads this and is wondering if Sarah is the real deal… she is. If you do exactly what she tells you you can beat these low lifes. I DID!!!!

  19. If the debt is truly a debt that is beyond the statute of limitations for your state you have a slam dunk case for suing the attorney and his firm, as well as the purported owner(s) of the debt. FDCPA statutes, it is unlawful to attempt to collect a debt that is not collectible by law.

    Start consumer law attorney shopping as they will settle it easily on a contingency, consider at least answering the complaint stated above, MOST OF ALL DON’T TALK TO THEM. Because you can easily toll the time clock if you indicate the debt as yours.

    1. Yes, you can be taken to court regardless. However, they CANNOT garnish your disability funds unless it’s suitable for child support, student loans or taxes.

  20. I have never received any calls or letters from this company and out the blue I get a credit alert and they put a collection on my credit but it has no information, like when the account was opened, who the creditor is or anything, just the amount owed. So I don’t even know what it is.. Should I just dispute it with the credit reporting agencies? Thanks!

  21. I received a letter from this company under my ex-husband’s name and the last four digits of my social trying garnish from my current place of work…. what should I do?

    1. Beth. Do not waste a minute talking with collectors. Talk to a consumer law attorney and see if your documents they sent you are legit. Also please send them a very simple dispute letter within 30 days of receiving their claim. Good luck.

  22. I was served with paper from this company and I was planning on going to the courthouse to answer. All they sent me was a Statement of chargers that was made. Also it skip months of Oct to Dec 2016 and then another statement for January 2017. So what should I say once I go to the courthouse to answer?

  23. I just contacted this company and they said that someone put a cease on the account. It was put on my account by an attorney or credit reporting agency. I asked for a debt validation letter. They said that they cannot send a letter until I take the Cease off of my account nor could I obtain any information on the account. What should I do now? I told them to leave the cease on my account and my lawyer will contact them.

  24. I have received no letter from LVNV funding but got a letter from a lawyer regarding a recently filed lawsuit. It is in my madien name (married in 2007) so this must be very old. I looked up the lawsuit but no information other than filing is given. I haven’t got anything from them so have no clue what it’s in regards to. What should I do?

    1. You have to file a response within 30 days of being served or they win a default judgement. If they have already gotten a default judgement you can still file a motion to vacate the judgement. Good luck with them.

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.